Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
Schema description coverage is 100%, so each parameter (amount, description, providerUuid) has a minimal description in the schema. The tool description adds no additional meaning beyond what the schema provides, and does not clarify units, formats, or relationships between parameters. Baseline 3 is appropriate since the schema handles documentation.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.