Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint/destructiveHint=false, so the safety profile is covered; the description adds that nothing is transmitted and, more usefully, that it performs destination eligibility validation and rejects mobile/0990/0570 numbers. It does not mention rate limits or whether pricing can change, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.