Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and openWorldHint=false, so the safety profile is covered. The description adds the 'current user' scoping constraint, which is useful, but says nothing about pagination defaults, ordering, or result volume. With annotations carrying the safety burden and an output schema present, 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.