Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare write (readOnlyHint=false), idempotent, non-destructive, and closed-world. The description adds value on top: the idempotent reuse behavior is spelled out in operator terms, and two external constraints (own-site refusal, 50-competitor limit) are disclosed that annotations cannot convey. It doesn't say what a refusal looks like (error vs. silent no-op), 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.