Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds the specific return fields (codes, balances, status), which is useful context beyond annotations, but does not describe pagination, filtering, or failure behavior. This modest addition justifies a 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.