Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, which covers the safety profile. The description adds specific detection criteria (duplicate refund IDs or amount/time fingerprints) but does not mention return format, pagination, or edge-case behavior. With annotations providing the safety context, a score of 3 is appropriate for the additional but limited behavioral detail.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.