Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only say readOnlyHint=false, so the description carries the behavioral burden and does add real value: it discloses the cost (copper per item), the transformation (figure swap on set pieces), and that the server validates the design pair. It leaves out failure modes — insufficient funds, partial success across the item list, or whether the original items are consumed — 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.