Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the full safety profile (readOnly, idempotent, non-destructive, open-world). The description adds value by naming the three supported vesting patterns (LinearVesting, CliffVesting, Timelock), which tells the agent what contract types it can parse. It stops short of richer behavioral context like chain coverage or failure modes, 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.