Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations declare readOnlyHint and openWorldHint, and the description adds real behavioral context beyond them: Express Premium stories return a permission error rather than a truncated paid body, which pre-empts misreading an empty/errored result. It stops short of mentioning rate limits or auth, so not a full 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.