Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With readOnlyHint already covering safety, the description still adds real context: default ordering (newest first), the enumerated status values, the per-record fields returned, and cursor-based pagination. It omits that archived contracts are excluded by default (only the schema's `archived` param reveals this), and 'every contract' slightly overstates the default scope.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.