Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so safety is well covered. The description adds genuinely new behavioral context: the account-linkage precondition and the fact that the response carries plan tier and alert-delivery mode. No explicit note on what happens if no pairing key exists, 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.