To be honest i feel like whatever you put on your reference sheet is your choice. Shes your fursona and character. Put in as much or as little information you wish to apply to your reference sheet. :3 Cant wait to see it
I think you should do a little of both. Put permanent stuff (like the character's name, gender, etc.) actually on the sheet but then include other data that might change over time or that you may need to expand upon in the description so it's easy to edit
For example (I'll use myself) I could put a bullet that said "bisexual" but then in the description I could go further by saying I'm sexually more attracted to females, but emotionally more attracted to males. Bisexual would still define me, but the description would give more insight.
I think maybe you should put a very abridged version on the ref, so it covers the main points and things and then add more detail on the points in the description? That way you can generally understand without having to search through a wall of text but still get details if you don't understand or are interested in something :0