Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only give the generic safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=false), so the description carries the real burden and delivers: per-call cost (2 credits, 4 for before_after), the need to confirm budget via get_credits, and a non-obvious post-call side effect (the card updates on generation, so list_images is unnecessary). It does not cover failure/refund behavior or any permission constraints, which keeps it 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.