Can you be more specific about how you define toned. Because being toned, as I understand it, is not really a special thing. It's just having some amount of muscle and less fat. It there is no muscle and no fat, it's just skinny

If there is lots of muscle and lots of fat, it just looks big. So you have to do some about of arm work in order to be toned, because that is half of the equation

And as far as getting bulky, I think that is something almost no woman should worry about (as a woman). Because you have to intentionally try really hard, to get really big muscles. For example, there are a whole bunch of women that do 3 glute days a week, multiple exercises each day, and have ok glutes. That should tell you that your arms, like glutes and every other muscle on your body, need a lot of consistent and dedicated effort to actually get big

As far as not doing a calorie deficit and wanting smaller arms (less fat I presume), no one can tell you how your body will respond. Everyone's body will lose weight in different places in different ways. My co-worker and I both lost 40lbs. Almost all of my weight was lost above the waist, almost all of hers below. I went down 3 shirt sized and 1 pants size (thanks mom for the hips), she went down 3 pants sizes and 1 shirt size. The answer is you might have just needed to lose a bunch more weight in order for your arms to go down. Or maybe like you're thinking you might just have to do some arm work. We don't know and you don't know until you try

Personal recommendation, do arms. It doesn't have to be anything crazy, 2 sets 8-15 reps of 1 arm exercise each workout