Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, so the description need not re-state safety. The description adds value by naming the computed metrics (LTV, CAC, ratio) and the optional segmentation, which gives the agent a sense of the output scope. However, it does not disclose behavior like timezone handling (already in schema) or error conditions. The addition of metric names is useful, but not extensive, so a 3 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.