Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so the description need not enumerate return values, yet it does so instead of covering the missing essentials: acceptable phone number format, auth requirements for line_type, and any ambiguity around credit cost. For a 2-parameter lookup tool with only 50% schema description coverage, this leaves significant gaps.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.