Information Card Simple Profile

Normally, before the selector requests a security token from the IdP's tokenservice endpoint it asks the metadata endpoint of the IdP and retrieves that metadata which tells it whether transport-security or symmetric-binding and other things are to be used in the token request.

I suggest that we define a simple-profile that basically skips the metadata retrievel step and replace it with default data.

The IdP that wants the simple-profile to be used just issues Information Cards that do not contain the metadata endpoint information.

Instead of:
 <ic:TokenService>
    <wsa:EndpointReference>
      <wsa:Address>https://contoso.com/sts/pwd</wsa:Address>
      <wsa:Metadata>
        <wsx:Metadata>
          <wsx:MetadataSection
              Dialect="https://schemas.xmlsoap.org/ws/2004/09/mex">
            <wsx:MetadataReference>
              <wsa:Address>https://contoso.com/sts/pwd/mex</wsa:Address>
            </wsx:MetadataReference>
          </wsx:MetadataSection>
        </wsx:Metadata>
      </wsa:Metadata>
    </wsa:EndpointReference>
    <ic:UserCredential>
      <ic:UsernamePasswordCredential>
        <ic:Username>Zoe</ic:Username>
      </ic:UsernamePasswordCredential>
    </ic:UserCredential>
  </ic:TokenService>
</ic:TokenServiceList>

the Information Card would contain just:
 <ic:TokenService>
    <wsa:EndpointReference>
      <wsa:Address>https://contoso.com/sts/pwd</wsa:Address>
    </wsa:EndpointReference>
    <ic:UserCredential>
      <ic:UsernamePasswordCredential>
        <ic:Username>Zoe</ic:Username>
      </ic:UsernamePasswordCredential>
    </ic:UserCredential>
  </ic:TokenService>
</ic:TokenServiceList>

What are the default values of the metadata that the selector assumes?:

• Transport Security must be used; the IdP tokenservice uses SSL/TLS.
• We might assume that the Information Card signing certificate is the same as the security tokenservice certificate; IFF the issuer does not use WS-AddressingAndIdentity to specify the STS certificate...

Maybe there are other assumptions that I just can not remember now? What are the security implications?
Please help to make the Identity Metasystem as simple as possible (but not simpler).