Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive, and closed-world, so the safety profile is fully covered. The description adds one useful behavioral fact – that results include shared/built-in sources, not just your own – but says nothing about ordering or return shape, so with annotations carrying the load 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.