What you need to understand is that filter factors are based upon the manufacturer's determination of how their filters will effect an exposure in a given scene that corresponds to a given 'optimal' lighting situation. Well, this is not what happens in real life!
The very simple solution is that you need to meter the effect of the filter(s) yourself.
Except for the very early in-built camera meters, the responsively of most meters will be pretty close to that of your general panchromatic film.
You simply need to make a general meter reading of the scene that you wish to photograph and hold the meter still and introduce your chosen filter(s) into its light path to ascertain the effect of the filter on your exposure. (you will find that a Minus Blue filter will be less effected in a Uk landscape scene - i.e require less compensation in a general UK landscape scene than in a high altitude scene) - in comparison to up a mountain in Yosemite and then place your filter(s) in front of the meter and note the change in exposure - this will give you your exposure compensation factor for any given scene (which will also reflect the effect of the prevailing colour balance).
This is how much you need to correct your exposure to which you then add any bellows or similar light reduction influences on your exposure.
Bests,
David.
www.dsallen.de