Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, and destructiveHint=false, while the description adds substantive context: pre-screening for TVL depth and audit status, the source protocols, and the exact price and payment chains. That payment and screening information goes beyond structured metadata. It does not explain payment mechanics or rate limits, which would be needed for 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.