RP, that sounds exactly right - your meter is assuming you want a "normal, daylight" sort of shot. Shoot in a dark room and meter will expect an average room. Basically, a meter is saying that a gray card sitting in that room will need x-amount of exposure to be reproduced as middle gray - when in reality, a gray card in a dark room would be very dark grey. Move the camera so a bright window or light comes into view, and the meter compensates for this and everything else gets darker in the final. Keep the same exposure and the window "flares" out and can even wash out your shadows.
You really have to envision how you want the final print to look; if you want the room to seem as dark as it was when shot, take that into account. If you want it to seem lit with average daytime light, the meter should be close. Want the window blown out, you have to meter without it. Want to hold the window detail, you'll need a combo of exposure and development.
I hate to say it, but a decent digital SLR with manual controls is a very fast way to learn some of this stuff. We used to have to wait for film dev'd or prints to start learning just what we did right or wrong (or blow through a lot of polaroid). It can be a good way to learn about metering vs. ISO, shutter and aperture vs. scene conditions. Just keep in mind the digital may not hold nearly the highlight and shadow detail the film will.
Final thought - as you dial this stuff in, you'll find your negs can hold more dynamic range (shadow detail through highlight detail) than paper or scans can. Negs under the loupe can have far more shadow detail than final prints. At some point you'll need to start seeing how much you have to "compress" dynamic range into the film to get good prints, usually by blowing through some paper and chemistry and comparing negs to prints. Many of us work towards negatives that a print full range of detail on #2 or 2.5 paper grade, without lots of effort, dodging, burning, etc.