Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safe-read nature is known; the description usefully adds the returned fields (asset, units, owner, last activity heights). It does not address the unusual idempotentHint=false, pagination, or any limits on how many accounts are returned, so it adds only moderate value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.