Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so the safety profile is covered, yet the description still adds non-obvious behavior: AND-matching across every word, a 20-result cap, what is deliberately excluded from the index (spoken words), and a routing hint to pass an id to fetch. 'Free and read only' partly restates annotations, which keeps this just short of 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.