Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, closed-world), but the description adds behavior the annotations do not: it returns one entry per AI with the AI's human name and surfaces format errors instead of silently failing, which matters because there is no output schema. It stops short of saying what a malformed string yields (empty list vs. error field), so it is not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.