Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so safety is covered. The description adds genuine model semantics beyond that: exact (not heuristic) optimality, indivisible tasks, at-most-once selection, and independence with no shared resources. It does not describe the result shape, 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.