Sleeve, toploader in a team bag is probably ok under most conditions.
I don't use the team bag, I just don't think it adds much. Plus I'm cheap sometimes.
Most houses these days have some climate control and are built to keep dampness out.
Now in an old house like mine, bagging on a very humid day then storing in an attic with major temperature swings could cause a problem. I've seen bagged ephemera at flea markets that has obvious condensation inside the bag.
BUT
I have other stuff stored in the attic that was bagged on humid days and haven't seen any issues whatsoever in over 20 years.
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