Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It implies a read-like operation by listing returned information, and notes that passing an 'address' returns 'your own card', which is a conditional behavior. However, it does not disclose side effects, permissions, error conditions, or whether the operation is read-only.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.