Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world behavior, so the safety profile is covered. The description adds non-obvious context beyond that: a credits API key is required and only the caller's own faxes are visible. It does not hint at what statuses are returned, which would have earned 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.