Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a mutating action with financial and timing implications, the description covers all essential context: who, when, what, costs, and the non-immediate effect. An output schema exists, so return details are not needed in the description. Nothing an agent needs to decide whether to call this tool and how to behave while awaiting approval is missing.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.