I guess MUC is somewhat weird, they were the first airport in germany to use the transition system currently in place at all bigger german airports. The final point in the STAR is actually the missed approach holding point at exactly the same altitude, therefore it is probably a good idea to put the clearance limit at another point for situations where the holds fill up rapidly.
To be honest we insert the STAR, then the transition and simply plan the transition from its first point which is always the clearance limit on the STAR. Therefore we modify the FMC so that it is a continous plan from the beginning of the STAR (for example RIXED) via the clearance limit, the transition and then the final approach.
But don't get me started on those CDO STARs which actually include the transition, they don't achieve a usefull continous descent on my type and do not even contain a clearance limit. However, they are on trial currently and not available to all operators.