I suppose that's extremely relevant! No interlining, and not fused. Thank you for your advice. Here's a photo showing where I give up. Current workflow is I iron right out of washer, don't spend much time on the collar though, button and hang to try. When I wear, I iron just the collar. It's easier to iron those wrinkles out when not moist.
To iron these, it is best not to "drag" the iron on the collar. Simple hop-steam-stop would freshen up the collar and keep it looking natural.
What we have recently started doing with OCBDs is that we completely skip the lining. Our oxfords are heavy that they do not really need a lining.
The newer oxfords are thus even easier to iron.