Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden and does well: it discloses the >=2 independent factor threshold, per-claim verdicts, and blocked gate behavior. It does not cover malformed input handling or other operational edge cases, leaving a modest transparency gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.