Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=false, destructiveHint=false and openWorldHint=false; the description adds real behavioral context beyond that — it returns the scenes and the credit cost, it must be presented to the user before approval, and it cannot be chained with approval in one turn. It doesn't clarify persistence/state effects on the story, which 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.