Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does disclose real behavioral traits: free engines require no key, paid engines authenticate via the Authorization header, and running a paid engine spends credits. It omits failure/error behavior, idempotency, and rate limits, keeping it below 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.