Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, readOnlyHint=false, and idempotentHint=false, so the safety profile is covered. The description adds one genuinely useful behavioral fact — reminders stop — but says nothing about auth requirements or whether removal is reversible. With annotations carrying the core disclosure, a 3 fits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.