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 the index-vs-child-sitemap relationship but says nothing about pagination behavior, rate limits, or what a 'URL record' contains; with output schema present the return detail gap is minor, so a 3 fits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.