Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-only, idempotent, non-destructive, closed-world, so the bar is lower; the description adds real value with most-recent-first ordering, chain link ordering, the chain termination semantics ('false once the chain has finished'), and the returned fields. It omits pagination behavior beyond implying page_token round-tripping, which keeps it from 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.