Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full disclosure burden and does well: it reveals the 7-day expiry, the credit cost, and the ownership exemption that makes re-download free. It omits error behavior (e.g., what happens with insufficient credits) and any auth requirements, keeping it short of 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.