If, by fancy, you mean spiral striped, then I vote for plain as a personal preferance. Some original Pennsylvania rifles have them in their thimbles (now) in collections and on display. Some fowlers have ivory tips to prevent splitting and as further ornamentation.
Some guns are "correct" with a simple wood rod with no metal tips, just a grooved pattern the last few inches to grip the tow and, or, tow worm.
Then as now, any owner can stripe a rammer (perhaps decades later) whether the smith produced it that way or not. It's always good to have a spare. Make one striped and one not and you're covered. ::