Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive), but the description adds genuinely non-structured context: pricing at $0.03/call over x402 on Base, the prepaid x-credit-token header for unlimited calls, one free call/day, and no API key. That is real operational information an agent needs before invoking. It stops short of describing output shape or latency, so 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.