Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a zero-parameter, read-only tool with no output schema, the description covers the essential information: what it does, the account context, and the required auth. The expected return value (credit balance) is implied by the description. Missing explicit return format, but not critical for such a simple tool.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.