FieldGrade,
I think you are being a bit harsh in calling the folks snobs.
I read your OP, and was reading the replies. I had to re-read it to understand what you were trying to ask.
Often, the typed word doesn't come out as what we are thinking. I'll admit to being a bit confused myself about your questions.
First,,, by your OP,,, I felt you are totally new to using cast bullets.
And, apparently by the replies,, so do the others here.
And yes,, by trying all 3,, only then will you get the real answers you seek.
But, as sixshot has stated,, he has quit using any lubed type of bullets in favor of powder coated ones. You asked for opinions & experiences. Well, I can attest to the fact that sixshot has put tens of thousands of cast bullets downrange, in competition, practice, and on game animals.
But to add a little to the above,, I've used all 3 types of bullets you mentioned.
The Alox coated ones,, in general, sticky to handle, and can attract dirt if not properly stored. They work as intended for most applications.
Wax based lubes in the grooves of bullets also do as required,, without the overall coating of sticky stuff that Alox leaves. In general, the majority of casters used this method for serious shooting until powder coating came along.
Powder coating. I, along with many others like sixshot, have stopped using wax/grease lubed bullets in favor of the coated ones. MUCH easier to use all around.
That said,, to get the best accuracy & performance, you must do as mentioned,, use a bullet that is .001 larger than the groove diameter of your bore. To do that,, you'd need to do a process called "slugging" the bore, and getting a proper bore measurement. An internet search can explain all of it easily. But basically, you drive a soft, (pure) lead slug down the bore, and measure the slug to determine the bore diameter.
Relax,, we will help, and aren't snobs. It's often confusing to read a post,, not knowing exactly what a poster is saying. I've been guilty of it as well as most people.