I have just skimmed through five pages of answers here, so forgive me if this has been mentioned already.
Pay particular attention to the ball bearings, they have a habit of retaining water behind them, just out of sight.
They require moving around a few times with the tip of a rolled up tissue.
I have had the problem of moisture when using a changing bag and no longer use one for loading films.
Something I have not seen mentioned here is when the film is jamming. Put the film loose into the tank to protect it from daylight, then get a bowl of water large enough to hold the reel and film under water.
Take the whole lot into a proper darkroom.
Place the spool and the film into the water and proceed to load it in the normal way, holding the reel under water all the time.
I have only had to do this a few times. Believe me it does work.
Good Luck