Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly=true, idempotent=true, openWorld=false, so safety is covered. The description adds genuine domain context beyond them: the vault is legacy, it is withdraw-only from a specific date, and the response includes rewards ready to claim. It does not disclose pagination or empty-result behavior, hence 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.