Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnlyHint=true and idempotentHint=true, so the description need not repeat that. It adds beyond annotations by stating the membership requirement and detailing the exact fields returned (user_id, username, display_name, is_admin, invite_status), which clarifies behavior and constraints.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.