Each tool maps to a clearly distinct operation: write-side ingestion (policy_ingest), read-side retrieval (policy_list / policy_get), and two analytical views (time-based expiry in radar_report vs coverage gaps in gap_report). The two report tools could superficially overlap, but their descriptions explicitly separate temporal alerts from coverage/duplication/premium analysis.

All names are snake_case two-token identifiers, which is easy to read and predict. There is a minor deviation in that policy_* uses a resource prefix with an action second (ingest/list/get), while radar_report and gap_report are noun+report compounds rather than strict verb_noun.

Five tools is well within a focused, well-scoped surface: one write path, two retrieval paths, and two distinct analyses. No tool looks redundant or padded, and nothing appears to be a trivial wrapper.

Ingest plus list/get covers creation and reading, but there is no explicit update, delete, or archive path for policies, assets, or persons (re-ingestion is implied but undocumented as an edit mechanism). There is also no way to acknowledge/snooze alerts or export the household graph, leaving notable lifecycle gaps.