Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so the safety profile needs no repetition. The description still adds real behavioral value: it specifies cursor-based pagination via limit and cursor and that the response carries a next cursor, and it pre-empts a common misread by stating the call does not create, generate media, or send anything. It does not discuss rate limits or permission/access-scope semantics, which keeps it below 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.