Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already provide readOnlyHint, openWorldHint, idempotentHint, and destructiveHint, so the burden on the description is lower. The description adds valuable behavioral context beyond annotations: it discloses the data source (GeoNames), licensing (CC BY 4.0), and that there is no upstream cost. It also describes the kind of output fields (lat/lng, admin area names, ISO-3166-2 codes), which informs the agent of what to expect. No contradictions with annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.