Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare readOnlyHint=true and openWorldHint=false, and the description repeats 'Read-only' without adding much beyond that. It adds context about what the content covers (checklist, pricing policy, human advisor follow-up), but it does not describe return format, caching, rate limits, or any other behavioral traits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.