Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), so the bar is lower, and the description earns credit for the auth requirement and for explaining the earnings lifecycle (pending until the partner pays, then payable after the hold). It stops short of return shape or pagination/rate-limit detail, so it isn't 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.