Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, covering safety and side-effect profile. The description adds minimal behavioral context beyond annotations, namely the 'user-accessible' scoping qualifier. It does not address not-found behavior or return format, but with strong annotation coverage 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.