Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100% and the schema itself already states the 'pass exactly one of' constraint in the username field. The description's parameter section largely restates the schema (one-of selector, address returns owner), adding little beyond structured data, so the baseline 3 applies.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.