Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is fully covered and the description only needs to add context. It adds that the response contains organisation number, but says nothing about behavior when the contact ID is unknown or the slug is wrong. A 3 is appropriate with annotations doing most of the work.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.