Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint, and destructiveHint=false, so the safety profile is fully covered structurally. The description adds only the domain notion of 'person-first' and no additional behavioral detail such as latency, state effects, or what invoking the finder actually does; with annotations doing the 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.