Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already establish readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is clear. The description adds which fields are returned but does not disclose pagination behavior or other edge cases. With annotations covering 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.