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 real meaning the schema lacks — 'credits' is a legacy name and only applies to users who already have a paid plan, and 'monthly' is the default. It clarifies the enum beyond the schema's terse 'Default monthly'.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.