Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is covered. The description adds the scope of state categories (funding, delivery/dispute, delayed seller-release), which is useful behavioral context. However, it doesn't describe what the return looks like or any rate limits/auth, so with annotations doing heavy lifting, 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.