Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden, and it delivers real behavioral detail: the tool is free, it is a status lookup (read-only by implication), and it enumerates the possible return states ('pending' or 'triggered') plus the triggering price/time. It does not mention auth requirements or error behavior for an unknown/expired alertId, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.