Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, covering the safety profile. The description adds only the domain-pinning detail (the target is fixed, not a parameter), but says nothing about what the index contains or how large it is. With annotations and an output schema carrying most of the burden, a 3 is fair.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.