Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden of behavioral disclosure. It reveals that the endpoint is public and gated on code knowledge, which is a useful auth-related trait. It does not mention error cases or rate limits, but for a simple balance check, the key behavioral trait (no bearer required) is disclosed.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.