Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds a genuinely useful behavioral trait beyond them: the summary exists only 'when there are any,' warning the agent that an empty/absent result is a normal outcome rather than an error. It stops short of describing return shape or size, which keeps it from 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.