Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description still adds valuable context the annotations cannot: the operation runs a server-side model, is scoped to the caller, and is gated on server configuration. It does not describe failure modes or how a missing model surfaces, keeping it short of 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.