Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare mutation + idempotency, and the description adds substantial context beyond them: no-op semantics on repeat calls (granted: false, still returns a readable balance, never a double grant), that no x402 facilitator is needed, and that no payment is required. This is exactly the kind of behavioral detail the schema and annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.