Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false, idempotentHint=false, destructiveHint=false; the description goes further by disclosing the one-time signing secret and the replace-and-rotate-secret behavior on repeat calls, which is real operational context. It stops short of covering auth/permission requirements or rate limits, so a 4 rather than 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.