Most people that do a lot of soldering will tell you that the 60/40 Solder is the preferred choice. It is easier to work with and provides a better long-term mechanical connection. Melts at a lower temp, so you are less likely to damage heat sensitive components or have a cold solder joint.
You would typically only choose Ag solder for specialized applications or if you need to meet RoHS requirements.
If you are clamping down on a Cu wire with a mechanical connection, do not tin the ends of the Cu wire. Tinned ends will be an inferior connection for a mechanical clamp. If you do tin the ends, you may need to come back and remove any residual flux. But, again, that is not the recommendation.
Pre-tin the ends for easier work when making a soldered connection.