Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare a non-read-only, open-world, non-destructive operation, and the description adds value beyond that: the response contains an API key that must be persisted in the connector configuration, and the code must come from the user rather than being fabricated. It doesn't cover failure modes such as an expired or already-used code, which keeps it short of 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.