Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and openWorldHint=false, so the safety profile is fully covered by structured data. The description adds only the scope of returned data (institutional fields), not behavioral traits such as whether the info is static/cached or how contacts are formatted; with annotations doing the heavy lifting 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.