Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden: it does usefully disclose pricing and that a spot-price USD conversion is performed, which implies a live external price dependency. It does not state that the call is read-only, what happens for an address with zero balance or on an unsupported network, or anything about rate limits/failure modes.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.