Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive, and closed-world, so the safety profile is settled. The description adds genuinely new behavior and cost context: ambiguous input returns suggestions, and the call is free/no payment, which matters given the paid nearby-search sibling. It does not describe rate limits or pagination, keeping it below 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.