Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true; the description adds the operational context that matters: permission gating, phone-number unsupported, identity-collision risk requiring headline/city verification, and the fact that only status 'invitable' is actionable while members/pending/rejected-in-30-days/removed are returned but not invitable. None of this restates structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.