Please, if you use disconnects, get the non-insulated ones. That way, you can solder your wire to the disconnect, and get the best possible connection. At that point, your disconnect will have good enough contact with the switch to ensure good operation. But a crimped connection is never 100% reliable.
A switch wears down both electrically and mechanically(related though). You can always open yours and blow out the dust.
I had a friend have hid 'down' go out on a MAS stick. Checked the switch, it was awful, and replaced it. Later that night, I opened it just to see how much wear there was. Welll, it turns out the switch had a dust ball in it. Cleaning it might have let me use it a few more months, but overall, not worth it.