Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so safety is covered. The description adds real behavioral context beyond that: the result is a 31-day daily series with specific fields, and costUnits is a scaled unit (3000000 = 1 USD). It does not mention pagination or auth requirements, 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.