Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds useful content scope (what is being read: modes, pricing, config fields) but says nothing beyond that — no auth requirements, rate limits, or freshness guarantees. With an output schema present, return-value detail is not needed, so 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.