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 the store-vs-national scoping behavior, but says nothing about freshness, caching, or rate limits. With an output schema present, 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.