Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive), so the description correctly spends its words elsewhere: per-call cost of 0.01 USDC via x402, free no-data results, and a data-quality caveat that small counties may have few listings. It stops short of describing pagination or result-size 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.