Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=false, so safety is covered. The description adds useful context that finality is 'unverified' and data comes from RPC, but it omits what happens if the transaction is unknown or the RPC is unavailable. 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.