Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), and the description adds genuinely new context: it returns Markdown and HTML, and timestamps and voice prompts are opt-in. It does not explain the default behavior when only a preset or only sections are supplied, which keeps it short of 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.