Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Covers what the payload contains (value, unit, effective and last-confirmed dates, official source, confidence label), the cost, the auth paths, and the recommended next step. With an output schema present the return shape need not be restated, so the only real omission is failure-mode behavior (e.g., what happens without payment or for an unsupported country code).
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.