Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered. The description adds real value beyond them: it enumerates the three terminal states (pending, completed, failed), the expected latency ('a few minutes'), and the polling cadence, which the annotations cannot express. It does not mention rate limits or job expiry, hence not a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.