Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the description correctly focuses on value-adds: a concrete credit cost ('Costs 3 credits'), the derivation rule ('all counted from scores'), and a data-availability limit. It does not describe response timing, caching, or what an empty result looks like, which keeps it below 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.