I grow citrus too! But I suggest you try the 'Citrus' forum as they are totally prepared to answer your questions.

Thanks for the heads up! I just copied and pasted this thread into the Citrus forum.

Now how do I delete this one? I don't see any options to delete or close this thread.

I germinated some from a few Lemons that were on a small tree bought at a store.
They were done in your way described YMS.I think I peeled the outer seed coat off first,so it didn't take as long.Just about all of them grew.
Mine were kept in a plastic tub with some Fig starts,with a heat mat under it,so they weren't cool.The bags can be checked for moisture,but if sealed,they should retain it.
Mine took about a month to grow.
Just for an experiment,I put some Tangerine seeds of a couple different kinds in some half gallon pots and lots of them came up,so it's not too difficult. Brady