Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the behavioral burden; it does disclose the authentication requirement, which is the most important trait here. It never states that the operation is read-only/non-mutating, nor what happens when the user has no phone numbers stored, leaving those traits to inference.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.