Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is covered. The description adds real value beyond that by disclosing the aggregation methodology (median of each provider's cheapest offer, per GPU-hour, USD), which determines how the numbers should be interpreted. With the annotations plus an output schema, a 3 reflects that safety and return shape are already handled elsewhere.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.