Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/closed-world, so the bar is lower, and the description still adds real value: no storage or logging of phone numbers or text, no account access, and no message sending. It omits error/failure behavior, which keeps it from 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.