Brian, I use the set to push the layers together, this does not start to compress the rivit and then unlike Terry I go straight at it with the rivit snap and a few blows are all that is needed.
The ball pein is ok if you are working with a rivit in a nice flat accessible position but once you have formed a couple of hundred rivits on traction engine wheels where you can't get in with the hammer you soon get the knack of only using a snap. The other risk of using teh ball pein is that if you take a lot of little taps at the rivit you can start to work harden the end which makes it harder to form the final snap.
I have seen the staged formers used on cold rivits with good results usually in conjunction with a jig to hole the formers upright and a hydralic press. Not really needed on anything below 3/16" though. I'll see if I can find some pictures, the ones I know of are only viewable if you donate to teh particular forum.
I also cut mine with either mini bolt croppers or side cutters
Couple of bits of riviting here and here
Edited By JasonB on 09/01/2013 13:20:44