Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, and the description goes well beyond them: the download link is short-lived, exports are gated on a review state, the estimate must be owned, and the incomplete-review branch returns a link instead of a file. These are exactly the behavioral traits an agent needs, and none of them contradict the read-only annotation.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.