Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and delivers real behavioral facts: hotmoney currently returns no data, 龙虎榜 is published only after close (~18:00), and an empty date resolves to the most recent trading day. It does not mention permissions, caching, or rate limits, but for a public read-only data endpoint those are minor omissions.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.