Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already covers the safety profile, and the description consistently describes a read-only GET operation. It adds the endpoint but does not disclose behavior such as what happens when the client_user_id is not found or any rate limits. With annotations carrying the load, 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.