I disagree with you, insulated terminals are extremely reliable so long as you buy quality. Narva ones are very good. And I've used many thousands of the things over the last 30 years on LPG conversions. The trouble as you say is finding non insulated terminals, and I'll add that most on the market now are complete rubbish. It's been 20 years since I could buy a box of Utilux non insulated terminals and about 10 years since I've been able to buy supplies of decent nickel plated ones through my LPG supplier. The extremely thin plain brass ones that most sellers stock aren't worth touching, a bit of damp air and they fail to carry any meaningful current without melting their holders.

