Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so safety is covered. The description adds one genuinely useful trait not in annotations: the call is 'Free' and does not consume data credits. It says nothing about freshness of the balance, whether it errors when no account is connected, or the agency-wide scope of the figures.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.