Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint and non-destructive; the description adds real value by drawing the side-effect boundary explicitly — no review submitted, no card or schedule mutation. It stops short of 5 because it says nothing about permissions, or whether repeated reveals are safe within a session beyond what idempotentHint implies.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.