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 without the description. The description adds only what is computed, with no mention of assumptions, unit handling, or limits; with annotations carrying the load, 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.