Clearly it's not worth it if another credit pull is involved. So I didn't return it.
Regarding income, I've never previously seen this as a major factor in bank decisions, even though they ask for a figure. So I've never been concerned about being exact. It sounds like some folks are recommending you be exact, but tax returns omit deferred compensation that in my case amounts to well over $20K annually. So there's a discrepancy right off the bat.
It's a hassle, and your ability to pay really depends on your ability to manage money and limit wasteful spending (for example, by owning a house but not a car), rather than your income. But banks don't have the time, resources, or waivers of privacy laws to delve into customer's finances to that extent.