Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?

Annotations already declare readOnlyHint=true, idempotentHint=true, and destructiveHint=false, so safety behavior is covered. The description adds useful ordering context with 'newest first' and ownership scope with 'your', but gives no further behavioral detail beyond that.

Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.

Is the description appropriately sized, front-loaded, and free of redundancy?

The description is a single sentence and front-loads the list operation immediately. It contains no wasted wording.

Shorter descriptions cost fewer tokens and are easier for agents to parse. Every sentence should earn its place.

Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?

For a simple read-only list tool with full schema coverage and rich annotations, the description is nearly complete. Its main omission is that it does not mention pagination behavior, though the schema already explains the limit and cursor semantics.

Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.

Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?

Schema description coverage is 100%, so the limit and cursor parameters are already fully documented in the schema. The description adds no parameter-level semantics beyond what the schema provides, which is acceptable at baseline 3.

Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.

Does the description clearly state what the tool does and how it differs from similar tools?

The description states a specific verb and resource: it lists settlement_proposal rows, with an ordering note of newest first. It does not explicitly distinguish itself from settlement_proposal_read, so it falls short of full sibling differentiation.

Agents choose between tools based on descriptions. A clear purpose with a specific verb and resource helps agents select the right tool.

Does the description explain when to use this tool, when not to, or what alternatives exist?

It provides no explicit guidance on when to use this list tool versus settlement_proposal_read or other related tools. The intended use is only implied by the word 'List'.

Agents often have multiple tools that could apply. Explicit usage guidance like "use X instead of Y when Z" prevents misuse.