Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so the safety profile is fully covered by structured data. 'Does not change settings' merely restates destructiveHint=false and adds no new behavioral detail such as required auth, whether the returned config is live or cached, or any scoping constraints. With annotations carrying the burden, 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.