Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, non-destructive, closed-world), so the bar is lower, and the description still adds substantial operational context: the download_url requires no sign-in, expires at expires_at within a few minutes, and a fresh call yields a new link. That is exactly the kind of ephemeral-link/auth behavior an agent cannot infer from structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.