Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, and closed-world behavior, so the safety profile is covered. The description adds that the output is a ready-to-use endpoint that creates a Payram payment, but does not disclose side effects, auth requirements, or rate limits; with annotations present, 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.