Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide readOnlyHint=true and openWorldHint=true, which already indicate a safe, non-mutating operation. The description adds that it lists key pairs registered in this project, giving context about the scope (project-level). It does not contradict annotations and adds minimal extra value, but since annotations cover the key aspects, a 4 is appropriate for adding the project scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.