Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It discloses the return contents (total credits, usage, remaining balance), which is useful, and implies a safe read. However it says nothing about authentication requirements, rate limits, or whether the data is live/cached.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.