Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint and destructiveHint=false, so safety is covered. The description adds genuinely useful non-annotation context: the call is metered at 0.05 USDC per call, which materially affects how an agent should plan invocations. It stops short of explaining result granularity or limits, so 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.