Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds real value beyond them by unpacking what 'works' means ('signed in, token accepted by the API'), which tells the agent what failure conditions this surfaces. It does not describe the shape of a failed result, keeping 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.