Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
The description adds crucial behavior beyond annotations: this is step 1 of a two-step flow, a verification code is sent to the org owner email, the next tool is account_recover_verify, and the overall recovery path revokes all keys. This significantly informs agent expectations, especially since annotations only show readOnlyHint false and destructiveHint false.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.