Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the agent knows this is a safe read operation. The description adds minimal behavioral context beyond saying 'current grade' and 'every active course', which clarifies scope but does not describe return format, pagination, or other operational details. Since annotations cover 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.