Thank you very much to all of you, and yes, you are right. I knew about the 18% gray calibration, about grass and skin, but did not measure in the right way. The fact that I have been off by 1 f-stop consistantly will have been caused by missing grass: I have been taking pictures in a forest, with all the brown autumn leaves and no grass on the ground. I kept pointing the meter to the ground, thinking that not taking the (rather light sky) into consideration the metering should be fine. Only when I checked the results with incident metering did I notice the constant difference (incident 1 f-stop darker than reflective, pointed to the ground). With autumn leaves, i had not imagined that they could be so much lighter than grass or green foilage.
Testing with my gray card now got me identical results for both metering methods. So obviously my personal calibration has been off, I will now use the gray card for some time to recalibrate my eyesight.
Thanks a lot for the extremely fast and helpful feedback. Thanks again, and happy shooting, Holger