Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety bar is covered. The description adds real value beyond that by disclosing the data source (council interest registers under the Local Authorities (Members' Interests) Act 1968) and the full content scope. Auth/pagination behavior is not mentioned, keeping 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.