I spoke to a few so-called stereo experts in town today and here is what they told me:
-the wire I bought from Westlake (Belden 5000 UE) is garbage. It is VERY hard and coarse and good wire is soft, almost like a brush..the guy showed me what $1.00 a foot wire looked and felt like. and there is NO WAY wire should be going black, or discolored in anyway, after only 1 month of use....humid conditions or not.
-called Westlake. They said that this particular wire is used in "in wall" applications. It is also used by Microsoft in Seattle so it is excellent, according to them. They said it is pure 99.9% copper and of the highest quality. That said, they had softer, flatter wire for twice as much as I paid...wasn't told that when I ordered.
-one shop told me barewiring is only better for approximately 2 days compared to bananas (???) ...oxidization kicks in, albe so slight, but nevertheless, it does, and bananas stop this.
-silver solder is much better
-one guy said you should ALWAYS use bananas as this eliminates the chance of wires touching each other as the posts on the speakers and receiver are very close together (makes sense I guess)
-guys with $50,000 stereos use bananas (probably the most expensive ones you can get)
-big difference on cheap and expensive bananas.
I have to state this point however: This shop, Sound Hounds, in Victoria, BC, has never heard of Hsu, or SVS, although they sell Rotel, B & W, Denon, Paradigm, NAD, etc..all high end stuff... They have also told me in the past to NEVER believe anything on the internet. I am questioning their credibility based on these facts.