Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/destructive-free and closed-world, so the safety profile is covered. The description adds genuinely new behavior: Free tier yields only match counts and jurisdictions, while Pro yields named entities with contact channels — that materially affects how results should be interpreted. No pagination or rate-limit detail, hence not 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.