Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations at all, the description carries the full burden, and it does disclose a genuinely non-obvious behavioral trait: unauthenticated callers see only active/expired facts, while draft facts require an internal_read scope API key. That is exactly the kind of access-control disclosure an agent needs. What's missing is any statement about pagination, result ordering, or output shape, so it falls short of 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.