Unterminated my sound best but over time will oxidize. Also, when you tighten down the binding post, thin gauge wires can be sheared off. For those reasons, not a option for me.
I favor spades over bananas simply because you can get them in pure copper, bananas are typically always inferior alloys.
Progold the wire and spade, use a proper crimper to achieve an airtight weld, then I cover it with shrink wrap that has an adhesive inside the sleeve for a gas tight joint that will not oxidize
I have never had issues with spades coming loose. YMMV.
I would use a pure copper spade. Gold plating is fine. Rhodium is harder but less conductive. I avoid silver as I have seen too much oxidation with silver (yes, I know it is conductive). So, pick your poison.

