Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false, and openWorldHint=true, so safety is covered structurally. The description adds nothing beyond the endpoint path — no note that it returns sensitive secret/QR data, no auth or permission context, and no statement of what happens when the TOTP entry doesn't exist.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.