Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false. The description adds genuinely new context beyond them: calling it 'costs nothing' (it does not consume credits) and that on the keyless connection it reports free sample rows left today. It does not discuss rate limits or caching, so a 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.