Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does well: it discloses the paid cost ($0.05 USDC / 50000 atomic), that no API keys are required, and that fundingRatePrediction and relativeFundingRate come from historical data. It omits rate limits, latency, and failure behavior, 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.