Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, closed-world, so the safety profile is fully covered structurally. The description adds only 'Returns converted number', which is minimal; with the output schema present, little extra behavioral context is required, so 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.