Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations provided, the description carries the full burden of behavioral disclosure, but it only says 'List MFA recovery codes.' It conveys a non-destructive read action through 'List,' but does not disclose whether the codes are single-use, whether listing them regenerates or invalidates existing codes, or whether authentication is required. For a security-sensitive resource like recovery codes, this is a meaningful gap.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.