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 description's added value is the important caveats: prices are monthly in KRW and quoted before VAT, and the response comes back in Korean. Those are exactly the details that prevent misinterpretation of the returned numbers. It does not describe breadth of the plan list or any rate/limit behavior, 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.