Jerry - if it works for you, do it.
Taylor won the smoothbore event at Hefley last time it was shot, using his Penn. Fowler 20 bore. He shot a near perfect score, think he missed only only target - you try to hit a hanging small diameter chain at 30yards - he did.
You cannot load his combination with your thumb AND you're neigtbour's thumb, no matter how hard you press on them.
.62 cal smoothie, .020" denim patch AND .600" ball.
So - What to do? Use what works for you, or makes you happy. THAT's the combination for you.
If you think you can win with a loose ball and no patch - go for it.
I will guarantee though, that a thumb-seat or patchless load will not win any smoothbore events at Rendezvous B.C., unless you include shot competitions.
I can load my wads and shot without a starter.