Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so the safety profile is covered without the description. The description adds one useful behavioral constraint — only 'published' documents are retrievable — which tells the agent non-published ids will fail, but nothing about error behavior or permissions. A 3 is appropriate given annotations carry most of the load.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.