Saturn is so far above us in the Sun's gravity well, that I really don't give this idea much weight. (No pun intended.) Not to mention that those germs would have to survive in space long enough to reach Titan, and then survive on Titan.

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"If this were play'd upon a stage now, I could condemn it as an improbable fiction."
Shakespeare, Twelfth Night
Illuminati's Razor-The most complicatedly evil answer is usually the most correct answer. - Fazor
"Every book is a children's book if the kid can read." - Mitch Hedberg
"Distance doesn’t matter much in space, where if you just start a thing off with the right kind of shove, sooner or later it will get where you want it to go." -Frederik Pohl, Mining the Oort