Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden and does reasonably well: it discloses that the call is paid and the exact price, the on-chain method used (balanceOf), and the shape of the result (raw plus human-readable). It does not cover failure modes (malformed address, non-contract token) or whether human-readable output depends on token decimals.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.