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 that the payload includes metadata and body paragraphs, which is mild extra context, but says nothing about auth, rate limits, or truncation. With annotations doing the heavy lifting, 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.