Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations provide no safety or idempotency hints, so the description carries the burden. It discloses the sequence dependency and the code channel, but it does not mention that the OTP may be single-use, that failed attempts could invalidate it, or that verification establishes an authenticated session.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.