Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 50%: 'note' is documented in the schema, but the 'what' enum values (cards, channels, white_glove) have no schema descriptions. The description partially compensates by unpacking each choice ('card payments', 'Expedia and Booking.com', 'finish the whole setup by hand'), which is enough for an agent to pick the right value. With half the parameters covered by the schema, a 3 is the appropriate baseline.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.