Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=true, so the safety profile is covered and the trailing 'Read-only' is redundant. What the description does add is scope (own account only) and the shape of the returned metrics, but it does not disclose the time window, data freshness, or whether currencies are converted — meaningful gaps for a financial summary.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.