Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, non-destructive), so the bar is lower, yet the description still adds real behavioral value: rights are 'AS DECLARED in config — not asserted by this tool,' and 'Technical availability is NOT a legal right to use or redistribute the data.' That tells the agent how to interpret the output's epistemic status, which annotations cannot convey. It does not describe pagination or output format limits, so 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.