Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, so the safe-read profile is covered; the description adds the backing endpoint (GET /contact_books), which corroborates a non-mutating read. It does not disclose return format or pagination behavior beyond what the schema implies, so with annotations the bar is met at a 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.