Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true and destructiveHint=false, so safety behavior is covered without the prose. The description adds nothing behavioral beyond that (no note on determinism of results, or that rainfall defaults when omitted, though that lives in the schema), so this is a minimum-viable 3 for a pure stateless calculator.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.