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), but the description adds genuinely non-structured behavioral context: a free sample is returned plus the paid URL and pay steps, there is no charge for this call, and the full result costs $0.75 Base USDC via x402. That payment/entitlement disclosure is the kind of thing annotations cannot express; it stops short of a 5 only because it says nothing about latency or rate behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.