Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so the 'Returns the transfer' pointer is sufficient for return values, and the single-parameter schema is fully documented. For a destructive, irreversible-in-some-cases operation, the description covers preconditions, side effects, idempotency, and the restoration path — nothing material is missing.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.