Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld, non-destructive), so the description's job is to add context, and it does: the source precedence ('local bank, then Unsplash/Pexels') tells the agent that the local curated bank is tried first and that external providers are a fallback, and 'verified, ready-to-use URLs' signals results are hotlink-ready with no download step. It does not disclose failure behavior or attribution requirements, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.