Prairie Dog and Mario have given you both ends of the spectrum in smoothbores. I originally loaded mine the way I had loaded rifles, with powder and tightly patched ball. Then I experimented with other things and discovered that I got almost as much accuracy with powder, tow wadding, ball, tow wadding. That one had the advantage in that I could shoot either ball or shot without needing to carry both patches and wads. Being something of an accuracy nut I've now settled on using an over powder card wad, lubed cushion wad, either bare ball or shot, and an over shot wad to hold things in place. This gives me accuracy equal to what I got with a PRB while allowing me to shoot shot whenever needed. The bottom line is that each gun is a universe unto itself. Experiment to find what load it likes and how it likes to be loaded. It's all part of the fun of muzzleloading.
Storm