Campaign Operations' system generation rules give a few pointers on habitable moons. To address some points brought up here:
Radiation is a non-issue for a habitable moon with an Earth-like atmosphere for three reasons.
First, Earth's atmosphere is equivalent to about 10 meters of rock shielding and is good enough to block even high energy cosmic rays, never mind the (comparatively) moderate energy protons and electrons of gas giant radiation belts.
Second, granting the moon an Earth-like magnetic field would be enough to further block the radiation.
Third, you can always move the moon outside the radiation belts. While Jupiter's Io and Europa have severely radiation-blasted surfaces, outermost Callisto hardly gets any dose.
Tidal locking would be annoying, but you've got several options there, too.
First, being closer to the brown dwarf or gas giant would give a comparatively quick orbit. Ovan has a 96-hour day and Rigil Kentaurus has a 56-hour day. Hypothetical gas giant moon colonies could handle days in those ballparks, unlike the 17-day orbit of Callisto.
Second, tidal locking doesn't necessarily mean a 1:1 ratio. Mercury has a 3:2 tidal lock, going through 3 days per 2 orbits, and 5:2, 4:1, and 7:2 can be stable with enough eccentricity to the orbit. You can also mix things up by additional tidal influences, like big moons inward and outward of the habitable moon's orbit.
Third, there's the Project Aphrodite solution: spin up the moon's rotation.