Stuart, as a follow up to my post... I use zone 3 (full texture in shadow) and zone 7 (full texture in highlights) as my point of departure. This is a decision I have made, based on a step tablet print I sent to from Stouffer. It is just a strip of paper with the zones printed on it. While it is not at all scientific, it has given me a point of reference I can use to determine a "normal" development in the print. The numbers (.3, .1 above film base plus fog, etc.) didn't mean squat to me at first, just b.s in words. The print, I can look at it and I can understand what it means.
Claire has given you a wonderful explanation of this relationship, why you can't just pick a number for a film and use it. You will learn as you go, just take small steps. Best, tim
P.S. If you end up with a headache after reading this stuff, you are learning.