Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, and the schema's card_id description ('the card whose answer to show: the card_id of the front just asked') is richer than anything in the tool description. The description adds no syntax, format, or edge-case 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.