Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does so well: it declares 'Read-only, no side-effects, no cost' and explains the cross-key visibility semantics of the balance. It stops short of describing the return shape (currency unit, formatting) or rate/refresh behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.