Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100% and every parameter (model, messages, max_tokens) is already documented in the schema, so the description need only complement it. It reinforces that max_tokens bounds the x402 price ceiling, but adds no new format or syntax detail beyond the schema, so the baseline 3 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.