I too see 0.020” smaller as a good general rule.
General Shooting - Snug fit as suggested w/ a thick & wet/damp patch, Hoppes BP lube being my favorite choice. But that does not work well for hunting or in ccccccold weather.
Hunting - I may use the above if only hunting for the day, where I’ll pull the load when done. Or if temps stay above freezing.
Cold Weather (Temps below freezing) Hunting - I switch my lube and maybe the patch too, if not already using this one below.
PATCH -I use ‘homespun’, a thin (0.010”) thick (thin?) 100% patch but of high thread count, which makes it survive the barrel/shot/load much better than the pure thickness would lead you to believe. On tests, in temps < 20-degF I have fired & recovered the same patch w/ a heavy load in my 62-cals, shooting them up to 8-times, giving up only because I couldn’t be bothered anymore. No burn throughs on any!
LUBE - I switch exclusively to Track’s mink oil lube as it is the only lube I’ve never seen not freeze up in cold temps. Not hunting, but at a Winter MZL snowshoe biathlon where I judged the last ststikn when it was ~12-degF out, I witnessed 8 broken ramrods in my 1-2 hour shift. I turned many on to TOW’s mink oil that day!
Other:
Don’t ignore paper cartridges as if well tuned to the barrel, you can load significantly faster and be almost as or just as accurate as a patched load. Once shot my 60” barreled 75-cal Hudson Valley fowler using P-C loads and came in 2nd place to a rifle in a woodswalk Fall 2019, using heavy (> 100) charges of 1Fg powdah to boot!