Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is well covered. The description adds useful context about verification/comparison use cases but does not describe runtime behavior such as reading the file, handling missing files, or what the returned checksum looks like. The low annotation burden keeps this at a 3 rather than lower.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.