Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Goes well beyond the readOnlyHint/openWorldHint annotations by disclosing the exact validation algorithm (mod 97), the country-length rule, the normalisation/grouping behaviour, and critically a negative guarantee that the account's existence is not verified. That limitation is the most decision-relevant trait and is not derivable from any structured field.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.