Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so the description's job is to add scope constraints — and it does, with the two-year maximum and the 60-day default window, neither of which appears in the annotations. It still omits error behavior on out-of-range input, 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.