Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so the safety profile needs no restating. The description does add value beyond that: results are privilege-filtered per login and include on-disk size, which tells the agent to expect a possibly partial list. It says nothing about ordering, pagination, or what an empty/denied result looks like, so a 3 is right.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.