Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, openWorldHint), but the description adds genuinely useful behavior: the authoritative data source (Census ACS 5-year) and a paid access model ($0.003 USDC per call via x402), which an agent must know before invoking. It stops short of noting failure behavior for invalid or non-US ZIPs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.