Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering the safety profile. The description adds the 'visible' qualifier, which hints at permission filtering, but does not explain what determines visibility or whether results are subject to pagination. Since annotations cover the major behavioral risks, 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.