Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, non-open-world), so the burden is lower. The description adds real behavioral context beyond that: the default omission of the large exhibitor list and how to override it. Auth requirements and rate limits are not mentioned, which keeps it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.