Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive, so the safety profile is covered. The description adds genuinely new behavioral context: the balance and limits are shared across all API keys on the account, which affects how an agent interprets the result. It stops short of describing the return shape, but that is minor here.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.