Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark readOnlyHint=false, so 'Set' is consistent. Description adds no extra behavioral context: no side effects, prerequisites, or consequences of changing provider. With annotations present, the absence of added detail keeps this at 2.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.