Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/idempotent/non-destructive, so safety is covered. The description adds genuine value beyond them by noting the API is 'free, no key,' which is auth/access context an agent needs. It stops short of mentioning rate limits or not-found behavior, so it doesn't reach 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.