Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare read-only, idempotent, non-destructive, closed-world behavior, so the safety profile is covered. The description adds genuinely useful pre-call context: the auth requirement (API key or connected account) and the fact that results span every member and key rather than the caller's own activity. It doesn't describe pagination or volume limits, keeping it out of the 5 band.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.