Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety needs no restating. The description adds real behavioral context beyond them: per-day granularity and the counting semantics (units left; for moorage, feet free and longest boat that fits). It stops short of noting limits such as max range or pagination, 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.