Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly, idempotent, non-destructive, closed-world), so the bar is lower. The description adds genuinely non-obvious behavior: expertise is descriptive only and confers no permissions, and the returned membershipId/revision are the inputs an administrator needs for a later update. That is useful context beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.