Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnlyHint=true, idempotentHint=true, destructiveHint=false, openWorldHint=true), so the bar is lower. The description adds genuinely new context beyond those fields: the call 'counts against the imports quota', which is a billing/limit trait not available in annotations. It stops short of noting rate limits or pagination, so 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.