Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations (readOnlyHint=false, openWorldHint=true, idempotentHint=false) by disclosing price, refund policy, a 10x abuse penalty with deletion, async queuing semantics, and the meaning of the 402 error. It omits only lower-value details such as rate limits or content rules, 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.