Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose the key non-obvious behavior: interactive elicitation always overrides provided parameters when ctx is present. It omits any mention of permissions, side effects, or failure modes, 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.