Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint, idempotentHint, destructiveHint=false), so the description is not burdened with that. It adds value by disclosing the content of the payload and by stating a required-input constraint that annotations do not carry. It stops short of behavior like rate limits or pagination, keeping it at 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.