Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly, idempotent, non-destructive. The description adds genuinely useful behavioral context beyond that: it sends no email itself, and the returned link requires human verification that triggers a code. It doesn't disclose rate limits or expiry of the link, keeping it from a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.