Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and open-world, so the safety profile is covered. The description adds real behavior beyond that: it costs a keyed tier-quota slot, it deliberately avoids injecting facts, and it degrades gracefully ('falls back locally') when the engine ceiling is closed. The jargon ('keyed tier-quota slot') is undefined, which keeps it short of 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.