Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=false, destructive=false, idempotent=false. The description adds genuinely useful context beyond them: 'Only supplied fields change' documents partial-update semantics, and it clarifies that the edit does not propagate to linked live instances. A 4 rather than 5 because no auth/permission or error behavior is mentioned.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.