Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, and the description redundantly confirms 'read-only'. It adds some context by noting that results/status are returned and by giving the API endpoint GET /checks?applicant_id=…, but says nothing about pagination, ordering, or response shape. With annotations covering safety, this is a modest addition.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.