Digital and slide exposures are 'keyed to' the highlights, i.e. to the maximum exposure you can give before the brightest areas 'blow' to an irrecoverable white.
You can measure the highlights in two ways: incident light (otherwise known as the 'artificial highlight' method) and spot. The former is normally much easier, unless you cannot measure the light falling on the subject.
Negative exposures are 'keyed' to the shadows, i.e. the least exposure you can give without their 'blocking up' to a irrecoverable black (clear film in the negative). The ONLY way to be sure of adequate exposure is with a spot meter.
Fortunately, there's quite a bit of latitude in the system, so almost any meter gives good results if used intelligently. On the other hand, 'used intelligently' is a lot easier if you understand the theory behind it all, then supplement that with experience.
Also, for a given film (transparency or standard-process C41 negative) or film/dev combination (in black and white) it takes precisely one test film to find out what index to use. In fact, it's easier than that. Around 99% of the time, you'll get excellent exposures if you set the actual ISO speed to IRE 1 (shadow index) or IRE 10 (highlight index).
To make life easier still, when you are using a true spot meter (1 degree or less -- most in-camera spot meters are a lot less useful, not least because of the larger and variable angle of coverage), assume that films are at or very close to their nominal ISO speed in middle-of-the-road developers; 2/3 stop slower in fine-grain developers; and 2/3 stop faster in speed-increasing developers. Thus, HP5 could be rated 250-400-650, depending on developer. Most manufacturers are pretty honest about ISO speeds: those who say otherwise are usually a bit unclear on what ISO speeds actually mean.
By all means give your negatives 1/3 or 1/2 stop more because you prefer the tonality, but don't confuse that with the ISO speed. And don't forget that with less precise metering techniques, films may appear slower because you aren't metering the shadows properly. Ansel Adams reputedly said that when he switched to a spot meter, his exposures increased by a stop.
Cheers,
R.