Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema coverage is 100%, so baseline is 3, but the description adds value by clarifying the two usage modes, noting that when `id` is supplied the person comes back 'in full (phone, start date)' and that the other arguments are then ignored. This is real semantic layering on top of the schema.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.