Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, closed-world, non-destructive), and the description adds real behavior beyond them: formula values require pre-existing caches, formulas are not executed, and macros/external links/expansion bombs are refused. It also discloses that sheet names are preserved in metadata. Not a 5 only because it omits what happens on refusal (error shape) and the input size ceiling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.