When loading to my way of thinking, there should be enough grease on the patch that it migrates through the patch to wet it thoroughly.
The lube not only must allow the ball to slide down the bore, but must be enough to wet the bore on the way out, so the fouling remains
damp allowing the next load to be completed, etc, etc.
If you want to have to wipe the bore at any time while shooting, you are on your own, I don't load that way.
I prefer to shoot all day without every having any fouling/loading problems.
If using grease, oil or a water based lube, I saturate the pre-cut patches. When cutting at the muzzle, I use spit and the patch is saturated,
thus, no wiping and patches are re-usable with any "lube" I happen to be using.
It's a big world, with lots of choices.