Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and idempotentHint=true, covering safety. The description adds the 'durable' qualifier, which is useful but does not explain return format, pagination, or any side effects. With annotations covering the core safety profile, 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.