True - but...
I agree with your comment about Avatar (although I have read that James Cameron was quite careful with his space science), but consider the case of Saturn and Titan. Place Saturn in the "Goldilocks" zone and Titan could become quite a nice place to be for life. The same could also be said for Jupiter and Europa although there could be major issues regarding Jupiter's radiation belts (this might drive evolution faster through mutations though).
Regarding the day/night cycle, I not sure if this is a difficulty. We have a similar problem on Earth inside the artic and antartic circles and life does work in these zones, granted it's hard. A moon of a gas giant will have periods of eclipse but these periods will be short.
What could be more difficult are the orbital dynamics. Going back to Titan again, Titan has an orbital period around Saturn of about 16 days. It is also tidally locked to Saturn, that is it's rotational period matches it's orbital period, so it has a "day" of 16 dfays too. That means that Titan will have 8 (Earth) days of Sunshine and 8 days worth of darkness. This is actually quite less extreme than the situation in our polar circle regions so I feel that this could be quite managable for terresial type life. Eclipses could complicate things as these would last a few days during the daylight cycle but I don't know enough about Titan's orbit at the moment to comment on the frequency of such eclipses, I suspect that Titan's obital inclination takes it out of Saturn's shadow cone quite a lot.
The situation for Europa becomes much more easy as Europa has an orbital period of 3.5 days around Jupiter giving a 1.25 daylight/night cycle(it is tidally locked to Jupiter), much closer to our own. In the cases of eclipses for Europa these will happen every daylight period as Europa is too close to Jupiter to avoid Jupiter's shadow cone, but they should only last a few hours.
In all then, different, perhaps difficult, but not impossible for life to get going and to become complex on such a moon. I think these are very exciting possibilities and given the current state of exoplanet hunting I think these possibilites are more likely than not.
These are exciting times!
Andrew