Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, non-destructive and closed-world, so the safety profile is covered. The description usefully adds that fields are returned 'where known' (nullable values) and that membership fees are excluded — a real scope boundary — but says nothing about behavior for an unknown slug or response shape.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.