Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses that the data source always returns 100 trading days, that limit only truncates locally (saves bandwidth, not calls), that the metric is the big-order caliber and is not 主力净额/龙虎榜/逐笔, and that non-institutional tiers get an upsell message instead of data. It doesn't cover error behavior or response size beyond the fixed 100 rows, which keeps it just short of a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.