Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint=false, so the safety profile is covered. The description's return-value enumeration (P10–P90, mean, min, max, sector/market-cap breakdowns) largely duplicates the existing output schema rather than adding new behavioral context such as data recency or coverage caveats. 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.