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 description earns credit for adding domain behavior instead: the CFTC publishes Fridays at 3:30 pm Eastern for the prior Tuesday, and holidays shift the schedule. That is exactly the kind of rule an agent cannot derive from structured fields. It does not describe the shape of the returned timestamps or timezone formatting, which keeps it from 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.