Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does: it discloses per-item ok/error semantics, that missing industry/listedDate for indices/ETFs is not a failure, A-share-only scope, tier-based caps, that billing is per returned item, and that it is a paid tool unavailable on the standard tier. These are exactly the operational facts an agent needs before spending a call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.