Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so deal_id, owner_key, approval_code and idempotency_key are already documented at the field level. The description reinforces where approval_code comes from and the consequence of not having it, but adds no new syntax, format, or per-parameter meaning beyond the schema, so the baseline 3 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.