I use an Inline T/c prohunter fx, 100 grains of American pioneer fffg powder and 300 grain bullet.
Once the season starts I keep mine loaded with the powder and bullet only for storage. I remove the primer. That is a legally unloaded muzzleloader in states that I’m familiar with. I try to avoid huge temperature swings, I.e. if it’s 0 outside I don’t bring the muzzleloader inside it stays in my truck or my garage. I use tape on the end of my barrel. If it rains or snows I’ll discharge the weapon to error on the side of caution but I’ve never had an issue with powder getting damp. Primers are different though, I’ve had them not go off because they got wet. I also tend to lose a lot of primers so I carry 2 or 3 primers for each speed loader I have loaded. I put the primers in a small zip lock bag like sport shops used to have for licenses.
When walking around with my muzzleloader while hunting I have a primer on. But I will take the primer off if I’m climbing a tree stand, crossing a fence, or something else that increases my risk of fall or drop.