Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnly, idempotent, non-destructive), and the description adds real behavioral context beyond them: the price basis (PSA 10 where available, raw otherwise), what the percentage is measured against, and the 300% data-quality cutoff that silently removes rows. It does not explain result ordering beyond 'biggest' or any paging behavior, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.