To a single point as I said, I'm not really sure how else to describe. Could be ring terminals crimped on and under a single screw, that would be better. But twisted cores under screw beats not twisted under screw - even just twisted and no screw (as is common especially in say light fittings that are double insulated/no metal to begin with, no Earth point) is probably better.
So screw/stud termination. Yes, ring or spade(/fork) lug would be much better than bare wires, twisted or not. As I understand it, crimping is almost always the preferred way to terminate/connect wires.
Yep, there's often not a lug though, and they'll either be twisted and flapping about, or in the (same side of, if applicable) a single terminal; in the latter case I would think twisting is better than not, or better than separate straight crimps. Certainly not worse.
It was just an example of when it's done, I was never trying to say it's the absolute best, no other way.
