Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive and closed-world, so safety is covered. The description adds the net-yield definition (annual net rent / tokenized property value), which clarifies data semantics, but says nothing about rate limits, freshness, or auth needs. With annotations carrying the safety profile, 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.