Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds that it returns a list with sector and market cap and emphasizes it is not an answer-producing tool. It does not mention pagination or limit behavior, but given the annotation coverage, the added routing context justifies a 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.