Time to bump up a very interesting thread
I usually begin my photo 'sessions' by taking a reading on something pretty neutral, such as a wall, the ground or my hand. Then keep that in mind and try to remember to adjust that settings to the required lighting / conditions.
Of course, many times I forget 🙂
Shooting in (very) dark conditions is another matter, as most times I'm faced to the fact that I simply cannot satisfy the settings the meter gives me, also, in places with strong spot lights, or inside rooms a meter can get fooled by them.
What I usually do in that conditions is to take a reading, and if things are just took dark to get a confident reading, I shoot wide open (mainly if shooting wide angles, that give me a tad more dof to cover focus errors) and select the speed on which I still feel confident enough of being able to keep the camera steady, that's usually 1/8 - 1/4 of a second if the subject is not moving (bar portraits, slow parades, etc) or 1/30 if something faster is going on. My two most used films, Neopan 400 and Tri-X (at 640 and 1250-1600 respectively when souped in Diafine) use to do a nice work unless the exposure is not way too incorrect.
If I'm feeling wild, I just forget about metering and use the 'sunny' 16, even though I admit having that clever designed built-in meter on the bessa-T has turned me lazy 😱
Oscar