Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered structurally. The description adds meaningful context beyond them: the server is stateless with respect to accounts and holds no key, which tells the agent the address must come from elsewhere. It omits error behavior for malformed/nonexistent addresses, keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.