Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses that this is the LIVE predicted rate sampled over time (not settled payments), the row grain (one row per venue per time bucket), unit semantics (fraction per settlement interval), and the funding_hours interval values (1, 4, 8). It omits auth, rate limits, and pagination behavior, which keeps it short of 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.