Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, idempotentHint=false, and destructiveHint=false, so the safety profile is covered. The description adds genuinely new behavioral context: the gating condition on required steps and the recommendation to pre-verify state. It does not disclose what happens if the tool is called when prerequisites are unmet or when onboarding is already complete, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.