Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/idempotent/non-destructive, so the bar is lower, and the description still adds real context beyond them: hosting origin ('Published on the storage origin, never on 402.com.tr'), retention limits, cost ('$0.01 per call over x402 on Base'), and auth ('send a prepaid x-credit-token header... No API key required'). It does not address what happens on republishing the same text, whether the URL is public/guessable, or the exact expiry behavior, 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.