Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false and openWorldHint=false, so 'Read-only' in the description is largely redundant. The value-added content is the approval gate — unapproved versions exist but must not be cited or sent — and the disclosure that the response includes cross-checked discrepancies against the memo, which is genuine behavioral context. Missing: whether the call fails or returns a draft when no approved version exists.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.