Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so safety is covered. The description adds the status vocabulary (pending/confirmed/seated/cancelled) which is useful context, but does not discuss auth needs or error behavior for invalid refs. With annotations carrying the safety profile, 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.