Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, and openWorldHint=false, so safety profile is covered. The description adds the useful domain fact that every project is bound to a client, but says nothing about template application, idempotency on duplicate names, or what is returned. With annotations present, 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.