Actual staking fee is: fee + tax?

I don’t mind that tax is charged on stake, It’s good for burn speed up, but according what @ek826 wrote at Proposal for the 1.2% Tax Parameter Change

Delegate to validator: not taxed
Undelegate from validator: not taxed
Withdraw rewards from validator: not taxed

So question is - will we get refund or what? I do not see anyting about this issue at 4940 proposal.

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