Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the safety profile (non-destructive, idempotent, not read-only), and the description adds genuinely new behavioral context: patch semantics ('Omitted fields are left unchanged') and an explicit capability boundary around retention/deletion. It stops short of stating auth or permission requirements, which keeps it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.