Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already flag a mutating, open-world, non-idempotent, destructive operation; the description adds the two facts the annotations cannot convey — that an external email is sent and that the grant is pending owner approval rather than effective immediately. It does not cover repeat-invite behavior (relevant given idempotentHint=false) or failure modes, which keeps it at 4.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.