Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, openWorldHint=true); the description adds meaningful context beyond them by clarifying that the tool only generates a presigned URL rather than performing the upload, and by disclosing the 5GB ceiling and the returned credential shapes. It stops short of stating URL expiration, which matters operationally for a presigned credential.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.