Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the write/openWorld/non-destructive profile, lowering the bar. The description adds a genuinely useful behavioral fact beyond that: the signing secret is returned and shown only once. It omits auth requirements, rate limits, and duplicate-endpoint behavior, keeping 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.