Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint, idempotentHint, destructiveHint=false, and openWorldHint=false, so the trailing 'Read-only' adds nothing. The description does add genuine behavioral context by disclosing the scope of the data (service area boundaries, fee, cutoff), but says nothing about freshness of fee/cutoff data or failure behavior for unserved ZIPs.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.