Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose real behavioral traits: it is a write/mutation that 'writes its files to the site', that a version saved with mode 'overwrite' left no checkpoint (so it may not be recoverable), and that it requires reading a contract doc first. It stops short of stating what is overwritten in the live site beyond the version's files, so 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.