Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=true, so the safety profile is fully covered. The description adds the meaningful applicability constraint that only EVM chains and ERC-721/1155 contracts are supported. It says nothing about failure modes for unsupported contracts/chains, so 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.