Either will work, both as the main charge, and in the pan if it is flintlock.
Many of us put some type of wad between powder and patched ball, either felt or thin card (sold as "overshot" cards) for a couple reasons.
Some feel it protects the powder from the lube when the gun is left loaded for long periods of time, as during hunting season. Some feel they get better groups with a patch/ball combo that is easier to start and push down. Example of this second one: I had a .45 caliber Pedersoli Frontier/Blue Ridge I got excellent groups with a .445 ball and a lubed patch of a given size which I don't remember, but, it was difficult to start and load,,,, a .440 ball shot almost as good with a slightly thicker patch, but not quite, but was easier to load,, adding a wad under the patched ball brought the groups equal.
I have found I can get equal performance with less powder from 3f when compared to 2f, and less fouling.
This is with guns from .45 caliber rifle to .62/20 gauge smoothbores.