Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly; the description adds real value beyond them — OAuth requirement, no provider call for balance_amount, and what type=esim rows include (iccid, install_url, qr_code_url). Doesn't cover rate limits or pagination, so 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.