Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
readOnlyHint=true already declares the safe read profile, so the description only needs to add context. It does usefully disclose the payload shape (rates, stock settings, custom fields) and the underlying endpoint, but says nothing about the include parameter's behavior, auth requirements, or missing-record handling.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.