Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the safety profile is covered. The description adds a genuinely useful non-annotation trait: the cost ('1 credit'), which lets an agent budget calls. It still omits rate limits and the meaning/normalization of country and language, so it is 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.