Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, openWorldHint=false, and destructiveHint=false, so safety is fully covered by structured data. The description adds that exactly one cross-reference is returned and that relationship attribution is included, but says nothing about auth, rate limits, or error behavior. A 3 fits with annotations carrying the safety burden.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.