Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint, so the safety profile is covered. The description adds non-obvious behavioral context: results carry an invitation_secret that is the prerequisite for accepting, which the agent could not infer from annotations alone. It stops short of describing pagination or result shape, so 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.