Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden and does useful work: it discloses that the call is PAID ($0.005 via x402/USDC on Base), which the schema and annotations never state, plus the upstream provider (Open-Meteo) and that city geocoding happens server-side. It omits error behavior for unresolved city names and whether results are cached, so not a 5.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.