Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnlyHint and openWorldHint, so the safety profile is handled. The description adds meaningful context beyond them: figures are PayScale's own estimates, results are US-only annual USD, and each successful call costs $0.002 in USDC via x402 with no charge on failure — pricing/rate context an agent cannot get from the 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.