Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safety profile is covered; the description adds genuinely new context by specifying the check is purely local and makes no network call, telling the agent it is fast and does not validate credentials against the API. It omits what the result looks like (boolean vs error), 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.