Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, destructiveHint=false, and openWorldHint=false, so the description's 'Read-only' is redundant. The description adds context about the data type (cost-intelligence) but no additional behavioral traits such as pagination behavior, default ordering, or potential rate limits. Given the annotations cover safety, the description adds minimal value beyond them.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.