Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a payment-related tool with no annotations and no output schema, the description is serviceable but incomplete. It covers the return contract (POST URL and amount), the required follow-up HTTP call, and the default SKU, but omits response structure, currency, side-effect/charge semantics, and error handling. Since no sibling tool fills this role, the description is the agent's only guide.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.