Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a 3-parameter, no-annotation, no-output-schema tool, the description covers the payment precondition, signature construction, and country scoping adequately. The main omission is how to discover the required Invoice ID and any error/refund semantics, but nothing needed to attempt a correct call is missing.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.