Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It usefully discloses that each truth is returned with its CURRENT value (i.e., a live snapshot, not a historical record), which is meaningful context, but it says nothing about read-only nature, permissions, or scoping side effects beyond the schema. A 3 reflects some added value but incomplete behavioral disclosure.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.