Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden but does disclose two useful behaviors: the output is a download URL and the call costs 3 credits. It omits what happens to existing files, whether the URL expires, and whether rows and sheets are mutually exclusive, which matters for a write/creation tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.