Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations present, the description does real work: it declares the tool read-only (the safety profile an annotation would otherwise carry) and flags the important behavioral nuance that the QR image is not produced — the caller must render it from the url payload. It does not cover auth requirements or behavior on an invalid/unknown id, which keeps it below 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.