Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and destructiveHint=false, and the description complements these by explaining what the tool returns (contacts plus template) and the downstream relationship to create_referral_invites. It doesn't disclose the invite template's content or pagination behavior, but given the annotation coverage this is reasonable.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.