Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The annotations already declare readOnlyHint=true, covering the safety profile. The description adds useful context by naming the return payload (contacts, address, balance, paid-to-date), which goes beyond the annotations. It does not disclose error behavior, permissions, or rate limits, so it remains at a moderate level.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.