Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, open-world, and non-destructive behavior, and the description adds cost/auth context: 'free, keyless, moves no money, nothing to sign.' It also clarifies the semantic boundary that a contract is not activation, payment, or outcome. Some repetition of 'read-only' 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.