Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, openWorld), and the description goes further by disclosing the detection surface (mint/freeze/clawback capability, global freezes, transfer fees, unverified domains, whale concentration, AMM liquidity, brand-new issuers). Some of this is return-shape information that the existing output schema may already carry, which keeps it from 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.