Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description goes well beyond them with genuinely useful behavior: ONS Price Index validation each build, the ~few-points-a-year disagreement threshold, the rule that a missing recent month is a deliberate refusal rather than an outage ('say so'), and the caveat that `value` is an index level, never a rent. It stops short of describing pagination/limit behavior or smoothing effects, so 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.