Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint, and destructiveHint=false, so safety is fully covered structurally. The description adds only the pagination note, which is mild extra context. An output schema exists, so return-value explanation is not required, making 3 appropriate.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.