Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=true, idempotent=true, destructive=false, so the safety profile is covered. The description adds genuine value beyond that by bounding the data scope: 'Metadata/approved fields only; no secrets, contacts or original files,' which tells the agent what will not come back. It omits pagination behavior, keeping it from 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.