Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the burden and does disclose meaningful behavior: the code is sent to the account email (the caller cannot choose a destination), it expires in 10 minutes, and there are 5 attempts. It omits whether calling again resends or invalidates an outstanding code, and says nothing about rate limits or failure/error modes for a mutation that produces an email.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.