Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile is covered. The description adds behavior the annotations cannot: the exact pixel-to-cell mapping and the alpha conventions (0 empty, 255 bought, 254 site-owned art), which materially change how the returned PNG must be interpreted. It stops short of naming the endpoint host or pagination/versioning 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.