I've tried both bare wire and many types of terminations over the years. My experience mirrors the varied responses in this thread, Downside of terminations could be dissimilar metals, but could be upside as well in that one could flavor to taste.
tonywinga argument makes sense of terminations.
Seems solid core vs. litz wire would make difference as well, bare solid core would make great contact, litz not so good. Bare litz core always gets discombobulated and spread all over the place when cinching down on terminals, hard to keep twisted.