So I know there's this whole big deal called the zone system. I understand that it reflects the different stops of light that can be effectively printed. I understand how to meter for it, but say I do not have the time to determine effective speeds and what my N+1 and -1 times are for a certain film. What should I do? Should I just guess at the times of development? Or should I just skip that part and take for granted Variable Contrast fiber paper?
Why do you personally want to use the zone system? Ask yourself that before you go any further with the idea of using it. Most people never do this, and dive in and embrace the zone system without ever reasoning out why they are doing so. Right now it sounds like you want to use it just because it is there, and not because it is actually a good choice for your "situation".
I highly doubt that not having the time will really be an issue for one who has done some thorough research, thinking, and soul searching, and after all that decided that the zone system is worth pursuing for his/her purposes. If you have decided that this system will work for you, you are not the type of person who places a lot of importance on time invested. (That being said, the whole purpose of the one system is to REDUCE the amount of time and effort spent trying to get that print just how you like it. Once you have done the initial testing, IMO it actually makes things quicker.)
The zone system is simply one tool; a more detailed approach to doing what photographers have done since day one: manipulating their images via exposure and development. You can do the same basic thing without following the zone system Bibles. The results will not be as precise, but if you have an artistic vision, and can calibrate your technique to it, you are doing just as well as a zonie, IMO.
If you don't want to go through the detailed testing of the zone system, but want to start experimenting with tweaking things via exposure and development, I suggest getting an incident light meter, and putting in lots and lots and lots and lots of shooting time. With an incident meter, a good eye for luminance range in a composition, and VC paper, you can do quite well for yourself without ever having to do the by-the-book zone thingies.