Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive behavior, so the bar is lower, yet the description adds a genuinely useful trait: 'The server returns URLs, not image bytes,' which prevents an agent from expecting binary content. It also compensates for the absent output schema by listing returned fields. It does not mention not-found/error behavior, 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.