Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true, idempotentHint=true, destructiveHint=false and openWorldHint=false, so 'Read-only.' in the description is pure repetition and earns no credit. The description does add behavioral value by enumerating the categories returned, but it says nothing about what happens for an unserved ZIP or any rate/coverage limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.