I don't lube the wads as I have found that the fouling is not that big of a deal. Water in a bottle on the range and usually shooting in the field isn't high enough volume to make a difference.
With two small children and traveling for work, loading time is tight. To use lubed wads I use up most of that time melting lube, dipping the wads and putting them in an appropriate container. I could load up a bunch of ammo in that time. I also tend to load more than I plan on shooting at the time and the lube will soak through paper cases and get into the powder (in theory anyway) and I may have it on the shelf for months before I use it.
I did recently buy a bunch of Blue Streak wads from Jim Legg so my loads may change but not to lubed wads.
Until recently I cut all my own wads except the overpowder wads. A nice guy on this site made me some slick wad cutters that work in a drill press and I have ready access to big sheets of felt.
