Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full load, and it does disclose the return-side vocabulary: spend_basis ('reported' | 'observed_since_connected'), observed_since, and balance_scope ('account' | 'key' | 'unknown'). However, it says nothing about whether this is a read-only snapshot, whether it triggers a live upstream fetch (latency/quota implications), or what happens for an unknown connection id.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.