Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, open-world), so the description's real contribution is the 0.020 USDC per-call cost on Base and Solana Mainnet and the explicit limit that only the top 50 holders are analyzed. That cost/payment requirement is material context an agent cannot get from annotations or schema. It omits latency, rate limits, or what happens on payment failure, so not 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.