The cert setup in bindings is used as a last-resort, if we don't find a matching cert in the automatic certificates area (or its not configured) we will then use the one in bindings.
Like Patrick mentioned, sometimes during SMTP the server talking to us won't use SNI, so we have no way of knowing which cert should be used and thus it will use the one in bindings.
I could see the potential for moving away from the cert in bindings and then picking or adding a cert in the automatic area and then designate it as the "default", we'd be able to migrate this automatically for current installs.
Matt Petty
Senior Software Developer
SmarterTools Inc.
www.smartertools.com