Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered; the description adds real value beyond them by disclosing metered access (cost), fallback behavior ('nearest service suggestions'), and the honesty trait of marking undocumented details 'unstated rather than guessing'. It does not state rate-limit or latency behavior for the tool itself, keeping it out of the 5 band.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.