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: it discloses that detail responses come in two shapes (body `text` in ~9/10 cases, empty `text` + PDF `url` for long reports), gives the decision rule (check `text` first, fall back to `url`), and states the caller must fetch and parse PDFs itself. It also warns that coverage depth differs for HK/US tickers (`hk00700`, `usAAPL`) and that list mode reaches back ~20 years.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.