Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, openWorldHint=false, so the safety profile is covered. The description adds genuine context beyond that: a credit cost, a UK-only constraint, and the gain-based ordering. It doesn't disclose pagination or result-size behavior, which limits it to a solid 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.