Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover read-safety (readOnlyHint) and open-world data, and the description adds genuinely non-inferable context: data provenance (official Census bulk state file), vintage ('latest year published'), legal-form scope ('all legal forms'), the hard limitation of no company-level records, and the exact billing model ($0.002 USDC per successful call via x402 on Base/Solana/Arc, failed calls free). The paid-call and non-refund semantics are the kind of thing an agent must know before invoking.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.