Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=false, so the safe-read profile is covered. The description adds what content is returned (addresses, hours, warranty URLs), which is useful, but says nothing about whether the data is static or refreshed, or how it is formatted. With annotations carrying the safety burden, a 3 fits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.