Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, and non-destructive, so the safety profile is covered. The description adds genuine behavioral value beyond that: the return is base64 bytes and is capped at 10 MiB, which is a real constraint an agent must plan around. It would be a 5 if it said what happens at the size limit (truncation vs. error), but the added constraint is substantive.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.