Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that account details are returned 'if found', which hints at conditional behavior, but does not specify what happens when no account exists (e.g., empty response, error). It also omits any side effects or authentication requirements, though reads are likely safe.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.