Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does so well: it discloses the auth requirement (signed-in session), that a password is re-confirmed, that the call returns a fresh authenticator secret and otpauth:// URI, and crucially that no state changes until a later confirmation. It omits error/re-issue behavior if MFA is already enabled, which keeps it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.