Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a low-complexity tool with annotations and a required idempotency key, the description covers the main behavioral contract: simulation, receipt persistence, budget debit, and no real funds. It could be more complete by explaining the since parameter or the returned receipt shape, but the core calling context is present.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.