Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden. It conveys that the tool reports login state and account number, which implies a read-only query, but it does not explicitly confirm side-effect-free behavior or describe the response shape. This is adequate for a zero-parameter status tool but not fully explicit.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.