Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the agent knows this is a safe read; the description's added value is that results are restricted to models the calling user can actually generate with and are organized by kind. It says nothing about result volume, ordering, pagination, or what happens when the filter is omitted. With the safety profile already covered by annotations, 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.