Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnly/idempotent/non-destructive, so the safety profile is covered; the description instead adds genuinely new context about the payout mechanics behind the numbers (USDC on Base, weekly batches, $5 minimum, capped, admin-approved, sent to your payout address). That explains what the pending/unpaid/paid fields mean, which the schema cannot. It stops short of saying whether the stats are time-scoped or lifetime, which matters for a zero-parameter call.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.