Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
With 100% schema coverage, baseline is 3. The description adds meaning to response_format by explaining the difference between 'concise' and 'detailed', and notes that org_id comes from list_organizations or get_account, supplementing the schema's basic descriptions.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.