Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds contextual value by specifying the returned fields and that it reveals the 'default shape' for overrides, which is behavior beyond what annotations state. No contradiction exists, so a 4 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.