Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, openWorld and non-destructive, so the safety bar is covered; the description adds two things they do not: that the call is free / never charges, and that it will resolve places this server has not seen before. That cost and coverage context is genuinely useful. It does not address rate limits or lookup failure behavior, 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.