WCF is extremely extensible and has a lot of ready-to-use features, however I continue struggling with some topics and the more documentation I read, the more I get confused
In your scenario, you don't need to configure certificates in WCF, IIS handles those for you. You can clear the entire <serviceCredentials>
block, because:
The <serviceCertificate> of <serviceCredentials> specifies an X.509 certificate that will be used to authenticate the service to clients using Message security mode, which you do not use, and the <clientCertificate> of <serviceCredentials> defines an X.509 certificate used to sign and encrypt messages to a client form a service in a duplex communication pattern.
See here how to map client certificates to user accounts.