Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (not read-only, open-world, non-idempotent, non-destructive), and the description adds genuinely non-obvious behavior: existing individual accounts are absorbed rather than recreated. It still omits side effects an agent would want, such as whether invitations are emailed or whether the returned API key is shown only once.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.