Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint/destructiveHint, so the safety bar is low, and the description adds genuinely useful behavior: limit defaults/cap and the warning that pageTotal is matched volume, not returned rows. It also explains the cursor flow for paging. It doesn't mention rate limits or result ordering, so not 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.