Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), and the description adds genuinely non-structured behavior: a $0.10 USD cost, the "current official" data-freshness guarantee, and the dependency on a resolved property. It still omits what happens on failure or an unresolved address, so not 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.