Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only supply destructiveHint=true; the description adds real behavioral context beyond that — the operation is only valid pre-send, it fails once the window has passed, and it avoids billing. It does not say whether the postcard object is returned or whether a cancelled postcard can be recreated, which keeps 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.