Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds that it returns the embed code and field list, which is useful but not rich behavioral context (e.g., no mention of defaults, pagination, or response shape). With the safety profile fully covered by annotations, 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.