Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=false, so the safety profile is covered. The description adds the scope of what is loaded (identity, permissions, skills, context), which is useful, but says nothing about failure modes, required authorization, or what happens when the referenced agent cannot be resolved. With annotations doing the 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.