Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a paid, stateful tool, the description covers all essentials: prerequisites, billing, recovery, and the preparation flow. The output schema exists, so return values are documented. The combination of description, annotations, and schema leaves no critical gap for an agent to call this tool correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.