It depends to some extent on the banana plugs. If they are designed for a crimp connection, AND you have the proper tool(s) I would carefully clean the mating surfaces and then crimp. A gas-tight, cold weld silver-silver connection is what I'd think best of all.
If you have some sort of pressure connection, set screw or similar, I'd not tin. (I would with copper, but silver tarnish is much less of a problem than copper oxidation. ) Cleaning periodically as noted above would be a good idea. I've used bare copper lugs in the past, and liked the sound, but a pain to keep pristine.
Rhodium has been known for years to be a stable plating layer, and that helps. Thin gold over brass or copper is almost always subject to diffusion through the gold. Nickel helps that, but adds more intermetallic interfaces.
Banana plugs come in all sorts of designs; some are pretty poor over the long term. A friend has locking bananas on his cables; I just read on the Pass site that such are subject to wear problems, and sure enough, the gold was gone on the contact surfaces. The type with a little sleeve slit and sprung (hope that's clear) for the contact is usually quite short lived.
Currently I'm trying the Cardas Rhodium plated bananas, which I like; for the moment the copper wire is terminated in a Rhodium plated spade lug, and then to the banana. That's because I'm experimenting with the wire. I'll eventually solder to the banana, which is used at the amplifier end.
On the speaker end, a lug on the cable, and a lug on the end of the wire from the crossover, placed one over the other and compressed in a terminal block (Insulated, so current flows only lug to lug) seems good. Even better, if possible, is to make the speaker cable pendant on the speaker end.