Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive and closed-world, so the safety profile is covered. The description adds material behavioral context beyond that: the access-tier requirement and the caveat that gate relevance is categorical rather than walking distance, which prevents misinterpretation of results. It stops short of describing matching or empty-result behavior, so 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.