Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower. The description adds genuinely non-derivable behavior: a hard 200-chunk ceiling, offset-bearing output, surrogate-pair-safe boundaries, and the fact that no key, credits, or wallet are required. It does not explain chunk-boundary policy or defaults, 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.