Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, idempotentHint=true, openWorldHint=true, and readOnlyHint=false, so the safety profile is covered. The description adds only the schema-discovery prerequisite and says nothing about the consequences of destructive updates or failure modes for invalid field codes. With annotations carrying the burden, 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.