Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate non-idempotent (idempotentHint: false) and not read-only (readOnlyHint: false). The description adds valuable context: 'not idempotent — calling twice may reset fields', 'Side effect: persists automation settings that affect future delegation/sell behavior', and failure modes ('Fails for invalid config combinations, unauthorized sessions, or backend policy restrictions'). This goes beyond annotations, so a score of 4 is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.