Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnly=false, destructive=false, not idempotent, closed-world), so the description's added value is the upsert-by-email behavior: existing users are reused rather than duplicated. That is meaningful behavioral context an agent cannot infer from annotations or schema. It still omits bulk failure semantics (partial success, what happens if one speaker is invalid).
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.