Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and non-destructive, so the safety profile is covered. The description adds genuinely non-structured context about the returned data — amounts are bare numbers without currency — which prevents misinterpretation. It says nothing about pagination or error behavior, but this is a single-item getter where that matters less.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.