Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, openWorldHint=false, and destructiveHint=false, so 'Read-only' in the description is largely redundant. However, the explicit exclusion list (credentials, application numbers, income, household details, email, internal identifiers) is genuine added context about the data surface that annotations cannot convey.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.