Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, openWorld), so the bar is lower, and the description adds the important default-behavior contract for an optional-parameter tool. It also discloses a scope boundary (lunar eclipses not published). It does not discuss result limits or ordering beyond the default case, so not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.