Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and destructiveHint, so the safety profile is covered. The description adds useful context beyond the schema by specifying 'loaded by the server', which clarifies the data source. However, it doesn't disclose return format, ordering, or potential performance implications. Given the low bar set by annotations, a 3 is appropriate – it adds moderate value without describing full behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.