Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
An output schema exists, so return shape needn't be explained. The description still covers source, currency and unit, timestamp semantics, exclusions versus fixings/holdings, and the full payment model — everything needed to call this correctly and know what the caller is paying.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.