Best way to germinate seeds?

I've messed around a bit with seeds in the past, and tried 2-3 methods of germinating. Now I have recently made quite the order and already have them in hand from a seedbank. Now I really want to know the best way to germinate them.

I've tried the leaving them in water once with a few seeds(90% sure I did it wrong)
I've put them in a moist paper towel and bag and put them in my closet (Best germ rate for me, but takes a bit longer. I've probably got an overall 90% rate with this with 15ish seeds)
I've also placed them in a moist paper towel and bag and put them on my internet router (fastest, under 24 hours, but lower germ rate, again I think I messed something up. Dead seeds were almost squishy.)

Anyway,
Please tell me your favorite/best ways. Any suggestions or ideas would be great

Put the seed in the starter container with some fresh medium, like fresh peat moss, then water it and wait for it to sprout.

I place seed straight in soil and water in also. I also use a small window seal heat mat to keep the cup warm. Then once it spouts I remove heat mat and get a cfl on it.

x3
Drop the seeds into a damp medium about 1cm deep and wait. Do not over water, do not cover the medium with a cover that will create a humid or hot environment, if outdoor do not put them in direct sunlight.

I usually drop them into a dark shot glass filed with water wait 18-24 hrs for seeds to sink to the bottom. then put in moist paper towel fold up an put into a plastic zip lock. In a warm dark place. Check every day for little tap root. The root should be 1/4 in. Long, then gently place seed about 1/2 in down into medium and don't feed anything. The have enough energy to last them till they r out of seedling stage. Once the little seedling leaves start yellowing and dying off is when I've learned to start introducing 1/4 strength nutes. Hope any of this helps good luck and happy growing

What works best for me is take a dinner plate and lay the damp paper towel on one and set the beans on top. Then I put another damp paper towel on top and cover it with the other plate. Then I tape the edges and put a small lamp over it to keep the plate nice and warm. Make sure to add a few sprays of water to the top paper towel each day and remember some seeds can take up to a week to germinated depending on the age etc. But putting them right in the pot or rapid rooter works fine too. I have never had luck with the cup method not really sure why, I put them in a dark place at a good temp and just never had much luck with it.

promix under a CFL for warmth