Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the disclosure burden, and it does so by spelling out the output contents of the tool: every field's key, label, type, required status, help text, and allowed options. It also reveals the downstream behavior of associating field keys with submit_enquiry answers. It does not explicitly label the operation as read-only, but the content makes that clear.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.