Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden, and it does disclose useful behavior: it aggregates three named chains, returns USD-denominated values and per-chain totals, and is priced at $0.010 USDC per call (a disclosed external side effect). It says nothing about whether the address is required to exist on all three chains, partial-failure behavior, or rate limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.