Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden and does the most important part: it warns that unsaved changes are discarded and names the flag that prevents that loss. It leaves unstated what happens afterward (whether another document becomes active, or what is returned), 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.