Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, openWorldHint, idempotentHint, and destructiveHint=false, which cover safety and side effects. The description adds value by disclosing what return fields the tool provides, which is not in annotations. It doesn't contradict annotations, and while it doesn't discuss error behavior, the read-only nature and idempotency reduce the need. The added return-content detail goes beyond annotations, so a 4 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.