The “discard rate” is the concept we use to ensure the wallet isnt creating not so useful just-above-relay dust.
Outside of bumpfee previous to this PR, and manually creating such an output, the wallet will never make change outputs of that size, preferring to send them to fees instead.
“Worst case” for the user is that users pay a slightly higher feerate than they were expecting, which is already a possibility with relay dust.