I assume that being in TX, you have some clear blue skies available to you, even in winter...While Sunny 16 is a guideline and NOT a 'hard and fast precise rule', it should give you a reading of
about ISO250 1/250 f/16 when metering an 18% gray card (which is held so that surface sheen of the card is minimized, as seen by the meter)...giving you an indication of which meters are wildly off.
Lacking an 18% gray card, substitute the palm of your hand as the target...a reading taken off your palm should be +1EV brighter than a gray card.
BTW, this photo series shows how underexposure can readily be misjudged to be 'right'...only photo 1 is 'right exposure', so it is easy to misjudge.
Under expose for bright sunlight? in General Photography Talk
photography-on-the.net