Sometimes the best thing is to just take the plunge!
Between the baseboard heater, and a dog heating mat, I've managed to get my germination area up to the 80's F in a few spots.
The seeds seemed dryer and thicker than my usual pepper seeds, so I slid each one down the fine file a single time in hopes of thinning the wall enough to help the seed hydrate.
As much as Nancy's suggestion of germinating them on wool makes, I'm really good at getting busy and not realizing until the risk of damaging it's first root is a bit higher than I want, so I decided to go for my 3" deep paper pots. I have good success with this method not because I think it's the best option, but because of my own nature. I spend the time in the evenings up front getting seeds started, and when transplant time comes, I just have to make a hole and drop the whole pot it. Trying to transplant little roots just never works as well for me. If I was transplanting huge numbers, it would be a problem, but Sunshine is my limiting factor, followed by warmth, so I'm normally not working with large numbers.
So now if everyone reading this would cross their fingers and toes, and think positive growing thoughts this direction, I would greatly appreciate it! And thanks for all your help, Nancy!