Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
Given the tool has two parameters, no output schema, and no annotations, the description is completely inadequate. It does not explain the cashflows format, the role of the guess parameter, or what the return value represents, making it impossible for an agent to use correctly without external knowledge.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.