Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so the safety profile is fully covered. The description adds the retrieval scope but says nothing about lookup failure behavior or whether values are computed or stored; with annotations doing heavy lifting, a 3 is right.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.