Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already say readOnly, idempotent, openWorld, and non-destructive, so the behavioral bar is lower. The description adds meaningful context beyond annotations: it discloses the auth/plan requirement and explains that items distinguish proved no-reply from unknown. It does not cover pagination, rate limits, or broader operational caveats, so 4 is appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.