Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so baseline is 3, but the description adds real meaning: it clarifies budgetUsd is held and released (net free), not a charge, and that the read reflects the visitor's view. Defaults and max repeat the schema but the semantics do not.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.