Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations cover the safety profile (readOnlyHint=false, destructiveHint=false, idempotentHint=false, openWorldHint=true), so the description only needs to add context — and it does: it discloses the consequence (losing the team and its channels) and a caller restriction (owners are blocked). It does not explain what happens to membership history or whether the action is re-doable via invite, which is why it is not a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.