Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries full burden but only states what the tool does, not how it behaves. It doesn't disclose whether this is a read-only operation (implied but not stated), what network it queries, error handling, rate limits, or what format the balance returns in. For a financial query tool with zero annotation coverage, this is inadequate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.