Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly/idempotent/closed-world safety. The description adds value beyond them: 'Free to call' discloses the cost profile, 'today' scopes the free-call window, and 'roughly how many paid calls it covers' explains the derived balance figure. It doesn't address auth or caching, so it stops 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.