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 structurally. The description adds only the fact that the data is 'crawled' PitchBook data; it says nothing about permissions, rate limits, or record freshness. With annotations carrying most of the load, 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.