Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare mutating, non-idempotent, non-destructive, closed-world behavior, so the bar is lower. The description still adds genuinely non-obvious context: the token is private material and must travel in the JSON body, never in a URL or routine summary. It does not say what state changes on success or what happens if the token is already consumed/expired, which keeps it off 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.