Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=false); they say nothing about data visibility. The description adds a genuinely important behavioral trait — 'Submitted values are never returned' — signalling a write-only secret that cannot be read back. It still omits collision/overwrite behavior and permission requirements, so not 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.