Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering safety behavior. The description adds context about the Nigeria-specific response (listing indicators like MPR, T-bill, etc.), which is useful but does not disclose other behavioral aspects such as error handling or response format. Given the annotation coverage, a score of 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.