Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false, and destructiveHint=false, so the safety profile is fully covered by structured data. The description adds valuable domain context (payment-blind engine, immutable match recording, live tier thresholds) which goes beyond annotations. However, it doesn't describe the response shape despite having an output schema, which is acceptable. A 3 is appropriate because annotations carry the behavioral burden and the description's additions are mostly domain flavor rather than invocation-critical behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.