Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so all four parameters (city, page, limit, state) are already documented in the schema, including the 24-result cap and the 5-result cap for name search. The tool description adds no parameter-level meaning beyond the schema, so the baseline of 3 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.