Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare write (readOnlyHint=false), non-idempotent, non-destructive, openWorld. The description adds genuinely new context beyond those: the output is a public link anyone can use, and submitted responses are collected in Xenition rather than returned to the caller. That public-exposure and response-routing detail is valuable for a mutation tool. It stops short of 5 because it says nothing about permissions, limits on field count, or editing/deleting the form afterward.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.