Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly, idempotent and non-destructive behavior, so the description does not need to re-litigate safety. It adds genuinely new context the annotations lack: the call has no cost, and the response includes both the current balance and recent movements. It stops short of describing auth requirements or any rate limits for the movements data.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.