Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, and the description is consistent. However, it adds no additional behavioral context beyond a simple read, such as rate limits, authorization requirements, or that the balance may change due to external transactions. The description adds minimal context beyond what annotations provide.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.