Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag this as destructive, non-read-only and idempotent, so the safety profile is covered. The description adds real value beyond them: the signing link stops working (external side effect for the recipient) and the cancel does not refund the monthly count (an irreversible quota consequence). It still doesn't say what happens to the request record or how it errors on an already-signed request, 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.