Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=false, destructiveHint=false, idempotentHint=false, openWorldHint=true. The description adds that an empty string clears the card (via the 'card' parameter description, not the main description). The main description does not disclose behavioral traits like permission requirements, whether the change is reversible, or what happens on failure. With annotations covering the basic 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.