Mate i have grown 10's of thousands of plants, if i had to guess i'd say 30k+ and maybe half of that amount from seed. If i put seeds on the ground some will germinate but a lot more will die. Based on how you describe what you are doing im guessing you havent grown a lot of plants. If you do 100 plants the way you describe you will probs lose around 10-15% of the seeds which is unacceptable, 1 is not acceptable but sometimes theres a dud seed.
Allowing 1/2inch to an inch on tap root isnt a myth mate, its sound advice. It means you can transplant much easier and get 100% success from any germinated seed. Yes you dont have to do this but it will give you better results. Theres no need to be in a hurry to pot the seed because it wont grow any faster, tgere for its better to allow the first part of growth to happen in the paper towel. I would put pips in the paper towels and not check them for 72hours. At this point they will be perfect for transplanting and may have shed their shell also.
You have to do what you prefer to do but it sounds like you have just lost a seed, this wouldnt have happened if the tail was longer.
Anyway best od luck.