Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does reasonably well: it discloses the owner-only authorization requirement, states that accrual is the default, and explains the differing counting semantics of each mode. It omits whether the change re-computes historical reports or is reversible, 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.