Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is fully covered. The description's only genuine behavioral addition is the scoping rule that no user id is accepted, which implies implicit auth-derived context; it says nothing about pagination, limits, or size of results. That is modest value on top of annotations, so a 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.