Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so safety is covered structurally. The description adds genuinely new behavioral facts beyond them: addresses are redacted and returned states can lag behind reality. It stops short of covering pagination, result limits, or what happens on a miss, so it is 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.