Feature summary:
Expand the default wording in the en.json of MediaWiki:Editcheck-convertreference-description
From the current (simplifying the link within):

This reference is missing details. Help readers understand where the information is coming from by converting this into a formatted reference. After converting it, check the accuracy of the details that the tool has added, and remove anything that is wrong or confusing.

To the proposed (bold just to highlight new content):

This reference is missing details or is not wrapped in a reference template. Help readers understand where the information is coming from by converting this into a formatted reference. After converting it, check the accuracy of the details that the tool has added, and remove anything that is wrong or confusing.

Use case(s):

• This check sometimes appears when instead of using cite templates, the reference's content is just written as a plain text.

Benefits:

• This will help avoid user confusion from common edge-cases, where no details are missing content-wise, it's just not ideally formatted within a template.