Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare it is a non-read-only, non-idempotent mutation; the description goes well beyond that by disclosing the two side effects (invitation issued, request resolved), the required caller privilege level, the fact that the returned token is single-use and must be handed to the requester, and the exact 409 access_request.not_pending failure mode.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.