Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations include readOnlyHint=false, openWorldHint=true, idempotentHint=false, and destructiveHint=false. The description adds valuable context beyond annotations by specifying the free-within-6-months business rule, which is not captured in the structured fields. It could further disclose whether the re-run returns results directly or requires a subsequent fetch via claimhit_get_result, but the added cost context justifies a 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.