Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true and destructiveHint=false, so the safety profile is covered. The description adds two genuinely useful behavioral facts beyond that: it returns URLs rather than file bytes (so the agent must fetch the file separately), and it costs 1 credit per call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.