Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent and non-destructive, so safety is covered. The description adds value beyond them: output is plain-text file content intended to be saved privately, evidence is provider-reported and explicitly not legal proof, and it does not publish, share, charge or resend. It omits pagination/size or ownership-failure behavior, keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.