Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover readOnly, idempotent, non-destructive and closed-world, so the safety profile is settled. The description adds value they don't carry: the operation is free (meaningful next to quote_*/buy_credits siblings), the result feeds a specific follow-up tool, and the coverage boundary is NYC-only.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.