Does the description clarify parameter syntax, constraints, interactions, or defaults beyond what the schema provides?
The input schema has one parameter, 'body', with a description that it is passed through to Bigcapital, so schema description coverage is 100%. The tool description adds no parameter semantics beyond the schema, but per the baseline for high coverage, a 3 is appropriate. Still, the schema's own description is quite limited and does not explain what fields the body should contain.
Input schemas describe structure but not intent. Descriptions should explain non-obvious parameter relationships and valid value ranges.