Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already carry readOnlyHint, idempotentHint, destructiveHint=false, and openWorldHint=false, so the safety profile is fully covered. The description adds only the per-connection scoping nuance ('authorized for this connection') and the word 'stable'; it says nothing about auth requirements, failure modes when no account is connected, or caching. 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.