i've had a fungus problem indoors once, but somehow i don't think that's what PB's laughing out loud over...
i feel like once you're more experienced at growing from seed it really doesn't make any difference to soak or not to soak, but for the newer grower it just makes germinating slightly easier. the first stage of germination is imbibation, if the soil isn't kept consistently moist that'll be slow and you'll set yourself back. if you soak the seeds you take away the guesswork, but the seeds don't really take up the water any faster. the paper towel method of waiting 'til they sprout is mainly good if you're incredibly neurotic like me and have to know exactly what's going on...