Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so the safety profile is covered. The description adds content structure (price, valid service methods, tiered groups), which is helpful context, but it discloses nothing about auth, rate limits, or freshness — and much of what it describes overlaps with the output schema. 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.