Hi Jarvman,
When using slide film, it's normal to expose for the highlights. I take a highlight reading in reflective mode on my Gossen Lunasix, which I apply to the camera, and bracket if I'm uncertain. My exposures are usually sound, which has been my experience with Velvia 100F and Ektachrome 100 VS, two contrasty films.
Transparency films have less lattitude than negative films, and IIRC have more lattitude towards underexposure than that of over.
By all means buy a spotmeter. I get by quite nicely without one.
For you centre filter, as Rob says, double your exposure, so for a 50 ISO film, expose at 25 ISO.
You might test your camera thoroughly using a neg film in different exposure situations and an accurate, handheld meter. With neg films, meter for shadows as these films have more lattiude to overexposure. If you still get gross underexposure, your camera may have a fault. A qualified technician can check the shutter for accuracy.