Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already signal destructiveHint=true, so the description does not need to restate that. It adds useful semantics by clarifying the upsert behavior: match by email and either add a new member or update the existing member. It does not describe failure modes, permission needs, or role overwrite specifics, but the annotations cover the core safety profile.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.