Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false, and openWorldHint=false, covering the safety profile. The description adds the scoping context ('assigned to the user or token'), which is useful, but it does not disclose pagination behavior, auth needs, or return characteristics. With annotations doing heavy lifting, 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.