Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so richly: it fixes the adjustment convention (前复权 for daily+, no adjustment for minute; no fq param, don't re-adjust), discloses refresh cadence (5-min free/anonymous vs real-time paid), tier requirements (minute lines need standard ¥29.9), unsupported markets (北交所/期货/外汇), the 5-symbol anonymous cap, and that it's read-only reflecting close. This is far beyond typical behavioral disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.