Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations establish readOnly=false, destructive=false, idempotent=false, openWorld=false. The description adds value beyond that: it discloses the state transition (evidence window opens) and a validation rule (parties must be distinct). It does not mention that non-idempotent calls may create duplicate cases or who is authorized to file, which would have pushed it to 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.