I do use nitro cards, but I have taken some fiber wad RST 20 gauge shells apart and there are just 2 fiber wads and no nitro card.
On the roll crimp, I think you will know what feels right, a lot of that is trial and error. I like to have some room for the roll crimp so to speak, but not so much that it seems excessive and I moving a lot of material on the hull...
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