Hey BP,
first, welcome to the fun. I am a self taught shooter with now 20+ years of mistakes. I read all the theories, so first time I shot it was a warm day (90+). I tried the over bullet stuff, messy as all get out. When next I tried it, it was nearly 15 F (not quite). Having done both extremes, and seeing now benefit, those were the only two times I did it. I do like bore butter for the after wash "oiling" of the equipment. I have also used wads. I used them far longer than the two times I tried gooping the cylinders. I actually do still use the wads when I have them. I think they do keep barrel fouling down somewhat. But, a patch with some bore butter put down the barrel as you shoot can do the same for cheaper. regardless of how I load, the accuracy stays the same, but it is my hands doing the shooting.
I will say this, I have only had 1 chainfire, it was due to poor fitting caps, and I have only had a few misfires, mainly due to poor fitting caps falling down into the works. Get a good set of nipples and find the caps it likes to eat. Keep your gun clean (I follow my dad's rule, if you shoot it, clean it that day. Only exception is if it is too late, it is done first thing the following morning.) Having done that, I can cycle through with my Cap and Ball pistols all the live long day.