Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the transparency burden. It discloses the return payload, explains error behaviors (error 100/33 and #10) and the role of account_id in bypassing them, and mentions token caching. It does not explicitly state it is read-only, but the 'get' verb and absence of side effects imply it.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.