Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering safety. The description adds no behavioral details beyond what annotations provide, but it doesn't contradict them. With annotations present, a baseline of 3 is appropriate; the description adds minimal extra context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.