Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true, so the description carries the rest — and it does disclose meaningful behavioral detail: it returns a plain-language verdict, distinguishes real issues from likely false positives, shows latest run and schedule per check, setup state, suggested-but-missing checks, and account run usage. It stops short of stating cost, latency, or scope limits, 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.