Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, and non-destructive safety, so the description need not repeat those. It adds valuable context: the tool checks payment status and conditionally returns a permanent download link, which is behavior beyond the annotations. It doesn't mention potential error states (e.g., session not found, unpaid session) or rate limits, preventing 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.