Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that the tool says whether the image is accepted and, if not, which error an upload would return, and it implies that the check itself does not consume quota. While it does not explicitly state whether the tool is read-only or quota-free, the phrasing 'instead of spending quota' provides enough behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.