Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, closed-world), so the description's added value is the query-mode behavior and the id-handoff return contract, both useful beyond structured fields. It says nothing about result ranking, whether the whole corpus is indexed, or how `limit` affects results, 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.