Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover safety (readOnlyHint=false, openWorldHint=true, destructiveHint=false), and the description adds a genuinely useful behavioral fact beyond them: the new tab becomes 'the connected tab,' i.e. it changes the active/connected session context. It omits any note about existing tab state or popup/blocker behavior, hence not 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.