Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, non-destructive, closed-world, so the safety profile is covered. The description adds real value beyond that by enumerating the response state machine and explaining that 'failed' carries a reason and 'refused' means the file needs a choice only the page can offer — a non-obvious behavioral detail. It omits polling/rate behavior and expiry timing, hence 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.