Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the bar is lower; the description still adds real context by asserting it 'never sends a message' and by stating the owner-only and plan-gating constraints. It does not cover pagination or result limits, keeping 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.