@ Justaguy, I keep my baggies on the moist side--enough to see a few drops of excess water. This would be harder to judge with a container, but if the towel is moist and you see condensation, should be good to go.
@ AJ--Just spotted your post about reluctance using baggies due to possible damage in transfer to planting. This is a point well taken as I sometimes lose around 25% in the move (as in they germinate, but don't come up after moving to the planting medium). As you noted, there are some amazing tiny hairs on root systems subject to damage.
One mitigation mentioned coffee filters instead of paper towels. I've done about 30 baggies, and have yet to have a root grow through, and the fine hairs stay on top of a 'good' filter.
It is important to move sprout carefully--use tweezers lightly grasping the seed head, never the roots.
Another approach is plant all seeds as soon as the first 'soldier' in the coffee filter batch germinates. This becomes just a way of soaking the seeds. Maximum pre-germination and minimum root damage in transfer. (This could be quite useful in other vegetable seeds that take a long time to germ out in the garden.)
One area where the baggies and containers totally kick ass is testing seed viability. It is so easy and I believe quicker to test older or suspect seeds using the coffee filter baggie / container. Also when a weak tea solution is added to the baggie, (I think) germination is speeded.
When all said and done, it may be a 'wash' in terms of the advantage of seed viability and possibly being able to skip one potting up procedure....has some advantages but perhaps not for the big league growers....