Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and openWorld, so safety is covered. The description adds value by disclosing the full set of fields returned ('in full: code, description...'), compensating for the absence of an output schema. It doesn't discuss error behavior for missing products, 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.