Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does well: declares read-only (只读查询), states that a single call returns the full universe with no pagination, and that an empty `date` means realtime while a historical date must be a real trading day or returns empty. It does not mention auth, rate limits, or freshness/latency of the realtime snapshot, which keeps it below 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.