As long as the loaded cartridges are stored carefully and kept dry there shouldn't normally be a problem.
I tend to clean my cartridges immediately after firing, then after a tumbler polish (as described elewhere here) I'll load them up.
The silicone grease I use is relatively dry so there's little chance of getting the caps wet.
Using oil, either silicone or light machine oil might well run onto the cap during storage and cause inevitable missfires. Smoke effect is better I think when using oil sparingly for lubrication rather than grease. So if oil's used I would load up just before firing rather than risk dissapointment
Loaded cartridges are stored in their original boxes and then into a big plastic storage box which keeps them good and dry.
Months go by sometimes before they're fired, and I have very few failures. Loading can be time consuming especially if you fire 100 -200 at a time as I often do. Having them pre-loaded saves a lot of valuable firing time.
_________________
Cerwyn
Hobby collector of Replica model guns and Militaria.
also member of Living History Reenactment Groups.