Long story short, it was never my intention to dispute Goldilock's zone. I wanted to argue this statement:
These are all good ideas. Actual moons with an atmosphere should be pretty rare, with a super rare chance of even being close to terran.
In a later post, you have used Sol System as an argument as to why Earth-like moons should be extremely rare. However, Sol system is only one star, and I do not believe it's sufficient to establish what is or isn't rare. In fact, there may be more Earth-like moons than there are planets, simply because moons are much more common.