Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered structurally. The description adds the currency unit and the parameterless nature, which is genuinely useful, but says nothing about failure modes (missing account, auth) or freshness of the balance value.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.