Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a checkout-link creation tool, the description covers what it returns, who should open it, the most important safety caveat, and the common failure conditions. Combined with the output schema and annotations, this gives an agent enough to invoke the tool correctly and interpret the result appropriately.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.