Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already mark readOnlyHint=false and destructiveHint=false, so mutation is expected. The description usefully adds the side-effect nature (emails a code), the 6-digit format, and that keys are not rotated. This is meaningful beyond the annotations, though it does not discuss expiry or resend behavior.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.