Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does meaningful work: it discloses the $0.001 USDC per-call cost (critical for an agent's budget decisions) and signals a read-only, non-mutating operation via "get" and "lightweight check." It does not mention rate limits or whether the wallet must exist / what happens on an invalid address, leaving minor gaps.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.