Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
With a rich annotation set and an output schema, the description needn't explain return fields, and it correctly signals the response concept (status, next steps). However, for a tool sitting among many cashback siblings, it leaves the agent without enough to know when this is the right call versus claim/quote/stay.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.