The only sure way to know is with a cycler that tells what is coming out of the battery. The Accu-cycle, from Hobbico does that for about half of the one you mentioned.
http://www3.towerhobbies.com/cgi-bin...&I=LXL357&P=ML
I cycle after every flying session and then about once a month, I charge them fully and cycle them again. If the reading from a fresh charge is less than 70% (some say 80%). I'm not going to trust them in my plane again. I really don't want to lose a plane over a 15.00 to 20.00 battery pack.
Chuck