Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive/openWorld=false, so safety is covered. The description adds genuinely non-derivable behavior: results are sorted largest-to-smallest, fixed-amount discounts ($30 off) are deliberately excluded because they can't be ranked by percentage, and it enumerates the returned fields. It doesn't discuss pagination or empty-result behavior, so not 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.