Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and openWorldHint=false, so safety is covered. The description goes beyond that by disclosing the returned content, including 'data caveats', which is useful operational context an agent would not infer from the annotations. It does not cover pagination or response shape, 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.