Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so the baseline is 3, but the description adds meaning the schema does not: it explains that the secret is masked here and that the full value requires a different tool, which disambiguates the retired reveal_secret parameter and the boolean semantics of the call.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.