Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, and open-world behavior, so the bar is lower. The description adds useful context beyond annotations: the per-IP daily rate limit, the verdict categories returned, and the fact that reasons and evidence accompany the verdict. The phrase 'full quick Token Verdict' is slightly ambiguous about whether the demo result is truncated, which keeps it from 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.