Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, so the read-only safety profile is known without the description. The description adds useful context that the keys are returned in base64 format. It does not mention permissions, sensitivity, or error behavior, so with annotations carrying the main behavioral load, 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.