Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100% and every parameter (including reason, purpose, account_id) carries its own description, so the schema does the heavy lifting. The prose adds no parameter syntax or format detail beyond what the schema already provides, making the baseline 3 appropriate.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.