Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the annotations: discloses that a 6-digit code is emailed, that no account exists yet, that free-mail domains are refused, and that the response is indistinguishable whether or not the address is already registered (enumeration protection). None of this is derivable from the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.