Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the mutation profile (readOnlyHint=false, idempotentHint=true, destructiveHint=false), so the description's job is to add context — which it does by disclosing that settings come back and that restoring a Charts view cascades to its dashboard and widgets. It doesn't mention permissions or whether the restore target position/owner is preserved, keeping it short of 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.