As for bare wire and/or spades, I've seen spades easily work loose and for a typical lay enthusiast forum bod, a single loose strand is all it takes to short the amp's speaker terminals..
That's why you tin the wires with solder ... no loose strands.
Tinning with solder is so 20th century... Brittle, subject to corrosion and compression. Not a good idea for any type of low resistance clamped banana or screw terminal. Pretty sure it is 100% illegal for anything mains rated here.
Ferrules are infinitely better, and required in EU countries in order to obtain CE marking. Here's a couple I just crimped up on a scrap of wire.
Whatever you do, avoid these and everything that looks similar. The free-floating springs compress, but never make a rigid connection to the speaker binding post. I once blew up a compression driver from a poor connection. You'll know when this design is ineffective when you can freely rotate the banana plug.
Don't solder-tin stranded wire ends for use under compression terminals. This is never done in industrial & military industries.
Because with time and temperature changes the solder will cold-flow and the terminal will loosen. Also with wires that are subject to vibration, the inner end of the solder will create a hard spot and the strands might break.
I first saw this problem with a FM broadcast transmitter a long, long time ago. A terminal strip in a power supply brunt-up. Only decades later did I realize the cause of the problem.