I simply use 3/32" card, 1/4" lubed felt (50:50 beeswax and olive oil) and another card between powder and shot. I punch them all myself (really wonderful therapy sitting at the chopping block in the woodshed, mallet and punch in hand...!). The wads are too short a time in the barrel to ignite, and my theory is that the grease is squeezed onto the barrel walls while going up the bore; it also seals the powder charge from moisture in storage with the card as a buffer against powder contamination. I've never had any fire issues, but desist from using them on the 37C+ (about 110F, I think), hot northerly wind, fire-ban days too.
RG