Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive, and openWorld. The description adds the salient behavioral trait that the key is not persisted, which matters for a credential tool. It doesn't mention rate limits or error semantics, 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.