Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint and openWorldHint, so the safety profile is covered. The description adds real value beyond them by disclosing the tree behavior and enumerating returned fields (address, phone, coordinates, amenity flags). A 3 is the floor given annotations; the added structural detail lifts it to 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.