Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The readOnlyHint annotation already declares the tool as read-only, so the description doesn't need to restate that. The description adds useful content scope (exam, capital, fit-and-proper, CPD) but does not disclose output format, length, or any limitations, leaving some behavioral ambiguity.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.