Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare the mutation profile (readOnly=false, destructive=false, non-idempotent), so the bar is lower. The description adds real behavioral context beyond that: the 50-member cap and the predicate-ownership rule governing whether add/remove is legal. It omits permission/reversibility details, keeping it out of 5 territory.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.