Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare destructiveHint=true, readOnlyHint=false, and openWorldHint=true, so the safety profile is known. The description adds real behavioral value beyond that: admins authenticate with email+password rather than a Ginta account, they can edit content but never design or code, and add-without-password triggers an invitation email while send_setup_link sends a fresh one. It does not explain the consequences of remove (does access drop immediately?), what set_password does to an existing password, or any rate/repeat limits — with destructive operations present, those gaps keep it at 3.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.