Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so "Read-only" is pure repetition. "Returns contract v0 records" gestures at output shape, but with an output schema present that adds little an agent could not already see. Effectively no new behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.