Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond the read-only annotations, the description adds meaningful behavior: active clients only, next review date required, soonest-first ordering, a cap of 50, and negative days meaning overdue. It does not explain pagination beyond the 50-item cap or how firm_id scopes results.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.