Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare this as a non-read-only, non-destructive, non-idempotent write, so the bar is lower. The description goes beyond them by disclosing the optimistic-concurrency contract - expectedSpecVersion exists to prevent stale writes - which an agent could not infer from the annotations or schema. It omits what happens on a version mismatch, 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.