Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so safety is known. The description adds that it 'Uses metered access' and 'does not modify source data,' which clarifies operational behavior. It could mention pagination or result format, but with output schema present, the description adds sufficient value above annotations to warrant a 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.