Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare non-readOnly, non-destructive, non-idempotent. Beyond that, the description discloses the actual verification behavior (checking declared size, type and checksum) and the post-condition that the upload becomes bindable — real behavioral value. It omits failure handling, i.e. what happens if verification fails, which keeps it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.