I agree, there is a lot of wisdom out there on seed collecting/saving so it can seem a bit overwhelming. I don't think there is necessarily one right way to do it, but I think different type of seeds might require different approaches.
Personally, I believe the best evaluatory test of if your seed saving technique works or not is when you sow them. If the seeds germinate, you did a good job! If not, maybe some re-evaluation is in order. The reason I save seeds is because I want to grow more plants at a future date.
My technique follows a similar technique to you. I retrieve my seeds and attempt to dry off the surface through air exposure. I may put them on a dry cloth to try and wick away what I can. I might leave the seeds out for a few days and then I place them in some form of container. As an extra cautionary preventative, I use a clay based desiccant packet in the container to further mitigate moisture issue.
This year I'm going to try saving tomato seeds for the first time. I am reading about how-to ferment to separate the seeds from the tomato funk. It is a little more involved than the ole dry cloth trick.
