Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive, and closed-world, so safety is covered. The description adds the useful nuance that results are a 'so far' snapshot and that the link may or may not still accept uploads, but it says nothing about pagination, ordering, or freshness of the file list.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.