Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a simple tool with one parameter, no output schema, and no annotations, the description is reasonably complete. It clearly conveys the purpose and the non-payment behavior, which is the core concern. However, because there is no output schema, the description could have briefly indicated what the returned estimate includes (e.g., currency, fees), but this is a minor gap given the tool's simplicity and the presence of sibling tools that may carry that context.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.