Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false and openWorldHint=false, so safety is covered. The description adds non-obvious behavior: results are limited to the signed-in account, pagination state is preserved, and invitation state is not mutated. It stops short of stating auth prerequisites or page-size behavior, hence a 4 rather than 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.