Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, openWorldHint=false, so safety is covered. The description adds genuinely new operational context: a $0.10 cost and an API-key requirement, which an agent needs before calling. It does not describe pagination or volume limits, 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.