Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, openWorld, non-destructive), and the description adds real substance on top: a five-minute TTL, the signing algorithm, the exact claims to validate, and the caveat that the signature proves origin/integrity only. It doesn't mention failure modes or what happens when the evidence has expired or the key endpoint is unreachable, which keeps it below 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.