Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the description is not asked to carry that burden. It does add non-obvious behavioral context: unit_cost is a bare number with no currency, plus the follow-up call needed to interpret it. It doesn't describe return shape or error 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.