Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false. The description adds genuinely useful context beyond them: it explains that the tool does not itself file the report but 'Returns a link to submit the report', which clarifies the read-only, non-committing behavior. It does not cover rate limits or auth, 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.