Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations give destructiveHint=false and openWorldHint=true but say nothing about side effects, timing, or token lifetime; the description fills that gap by disclosing the email side effect, the 24-hour expiry, single-use semantics, and that no charge or refund occurs. This is exactly the extra context annotations cannot carry.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.