Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so safety is covered by structured data. The description adds genuinely new context: the credential requirement and the $0.10 cost. It doesn't disclose pagination, default period, or result ordering, so it stops short of 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.