Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Beyond annotations (readOnlyHint=false, destructiveHint=false), the description adds critical details: success turns on 2FA, recovery codes are returned once, they are the only self-service recovery, and key recovery does not clear 2FA. Error strings are listed. No contradiction with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.