Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds two traits not in structured data: a concrete cost of 10 credits and the data-coverage boundary (meetings back to 1999 only). It stops short of noting result limits or pagination, 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.