Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, idempotentHint=true and destructiveHint=false, so the safety profile is covered. The description adds value beyond that: it discloses cost ($0.001 USDC per call), that access is keyless, and the precise read boundaries. It does not cover rate limits, which keeps it from 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.