Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, openWorldHint=true, and destructiveHint=false, covering safety and openness. The description adds that the PDF is fetched from a public https URL and warns that the call may count against the account's rate limit, providing useful context beyond annotations. It could have disclosed timeout or error behavior but is sufficient.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.