Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnly/idempotent/non-destructive, and the description adds real behavioral detail the annotations don't cover: the two-phase return behavior (transient state vs. final verdict plus content address and signing key). It doesn't mention polling cadence, terminal-state signaling, or failure/expiry behavior, which keeps it at 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.