Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/idempotentHint, so the safety profile is covered, but the description adds real behavioral context: append-only ledger, an immutable snapshot that is never recomputed, and a typed DECISION_NOT_FOUND refusal for unknown ids. It also flags that no payment is required, which matters on a paid platform. It does not discuss rate limits or auth, hence 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.