I live in Mass, so I use the plastic bag.
It's not that much of a hastle. In fact, it does keep my workbench cleaner. I can fill up a whole bunch of bags, clean any stray powder out of the area, and then put them in foil without worrying about picking up stray powder on the outside of the bag.
I use a small plastic (nylon?) bottle as a form for the aluminum foil.
I usually use a couple 1/8 inch thick, backing soda saturater (fireproof) corrogated cardboard over-powder wads to make the cartrige longer. If it is not longer than the bore diameter it may not go in straight and you have a hastle getting reliable ignition. I color code the end with cardboard in it with spray paint.
If I am shooting live charges rather than blanks the foil charges are so short that I would need 20 pieces of cardboard to get it to go in straight. Instead I tape the foil bag to the bottom of the ball with a single wrap of masking tape. Since it is a mortar, I then just slide the whole thing in at once... gravity takes care of everything, although I do check it with a U-Shapped rammer to make sure it got to the bottom... it always does, but I check it anyway.