Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/openWorld/idempotent/non-destructive, and the description adds substantial context beyond them: accepted formats, a 10 MB / 5 minute limit checked from the file itself, 24-hour content-addressed caching, and a 0.02 USDC cost with the x402 payment networks. This is exactly the operational detail an agent needs before calling a paid external service.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.