The "nut, bolt and a couple of washers" works well for the most part and is really handy if you don't have clearance for a Nutsert Tool Head (or Rivnut if one prefers).
I tend to use a Nutsert Tool most of the time tho, esp on stainless... worth having of you use Nutserts regularly, not so much if you only do a couple on rare occasions.




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