Irrespective of film, format or lens, filter factors as published and as recommended are reliable in use and do not warrant angst. If you have reason to think that the FF are wrong, start with the baseline recommendation and make exposures. Along with this, take detailed notes! In my teaching, people are surprised how well they pick up on small details (and hold them!) like this when attendant notes are taken as referrals!
A couple of points worth noting. There are some filters where the FF is variable (from a known start point) e.g. polarisers, and again, the FF varies considerably among brands. An example is Cokin's Pure Harmonie polarisers which have a surprisingly low effective FF of 1.2 compared to 1.5 to 2.0 for many others, depending on prevailing light, not film or film format. Some of B+W's KSM C-POLs have a heavy FF. Solid colour filters also do vary among manufacturers; the FF they publish should be taken as the guide.
Filters used directly on lightmeters are more common in cine photography. The tiny sizes for e.g. spot meters can be hard to find (and easily lost!). I have a red (FF=2.5) and UV(0) -- everything else is full-sized filters on lenses with established FFs entered into an L758D for spot/incident metering. In routine photographic practice the FF is nothing to worry about, other than taking it into account (with a spot meter, enter this in the FF compensation or additional exposure area) and if it is a polariser, indexing the FF to match prevailing illumination.