Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full behavioral burden. It usefully discloses the post-invocation behavior ("the card renders and lets the user download a PNG"), which the schema does not reveal. It says nothing about failure modes, encoding limits, or whether the QR is stored/returned as data, so gaps remain.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.