Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, with rich parameter descriptions, so the baseline is 3. The tool description adds little parameter-specific meaning beyond listing the three goal options and emphasizing that the plan is multi-step; it does not explain cards, today, or targetUtilization beyond what the schema already provides.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.