Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already tells the agent this is a safe read, so the bar is lower; the description still adds real value by disclosing the scoring inputs (on-chain activity, ERC-8004 registration, USDC balance, counterparty diversity, MolTrust credentials) and the output range (0-100). It does not mention rate limits, caching, or behavior for unknown/ineligible addresses.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.