Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations are minimal (readOnlyHint=false, etc.). The description adds key behavioral context: on success the balance unlocks for funding, verification lasts 60 days, and wrong/expired codes return a recoverable status. However, it doesn't detail the exact structure of the recoverable status or any other side effects.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.