In my experience, bare wire will loosen over time with vibration and changes in temperature. True it can take months. But to be sure the connections stay tight, you need to check the wire connections every month or so.
Banana Plugs are under Spring Tension, and expand and contract with temperature changes.
I've tried
Bare Wire, Spade Connectors, and Banana Plugs. For me, Banana Plugs work the best and are easiest to use.
These are the Spades I used -
Amazon product
But then ... that's just one man's opinion.
Steve/bluewizard
Hmm, this has never happened to me in 30+ years, but, as you say, it could.