Not necessarily - LOL, depends on the crown. Well, I do suspect a .490 would cut.
With a .440" ball and .018" patch, there is no reason to be cutting the patches when lubed with water,spit or anything, if the
crown is nicely radiused and smooth.
A .445" or even a .450" ball will load in that bore size, with that patch - IF the balls are Plumber's lead or softer. I would think even a 40:1
lead to tin should load as well.
I've still a bunch of .690's that I load in my .69 with a .021" patch.
The smaller the bore size the easier they are to load.