Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given one parameter, no output schema, and no annotations, the description adequately explains what the tool does and what it returns (balance changes, labeled programs, risk rules, recommendation). It could clarify the format of the recommendation or specify determinism, but overall it is sufficient for an agent to call it correctly.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.