My $0.02 on this:
Discussion of exposure needs to be "focussed" on meters, how they work, and how to use them.
The question of whether to meter using the box speed or to use a personal EI turns on two factors:
1) whether the film being used is a typical film (like Tri-X) where the ISO and the box speed are one and the same, or a film like Neopan 1600, where the "1600" refers to a speed that is applicable to some relatively special conditions, and is different from the ISO; and
2) whether one has engaged in the procedure of testing one's metering and shooting and developing at a number of different EIs, and come to the conclusion that a particular EI works best for them.
Personally, I would avoid drawing general conclusions from a film like Neopan 1600 - it is a specialized product, and the lessons learned by using it are likely to differ from those learned from using other, more typical films.
Reading through the thread may cause the OP to wonder whether there are a whole bunch of different versions out there of various films, meters and processors. In the case of films, they are remarkably consistent. Meters and development procedures vary, but special purpose developers like Diafine or Microdol-X excepted, they don't vary as much as one might think.
What does vary a lot, is photographers, and their approach to metering. To a very great extent, choice of a personal EI is predicated on choice of a metering technique. And for a metering technique to work, and to result in predictable exposures, one needs to have a good understanding of how meters actually work.
An in camera meter can work very well if the photographer understands how the meter reads a scene, and understands how light intensities and scene reflectances and colours interact. And that understanding is what comes from experience and study.
One additional point - negative film is very forgiving, while transparency film is not.
Using an EI that is less than the "box" speed will move one's exposure more into the "forgiving" area with negative film, but that is always a compromise that may result in increased grain and loss of highlight sharpness.
With transparency film, the final results will starkly reveal any problems, but it is pretty while impossible to find any way to make them forgiving. For that reason, I recommend them highly as a learning tool, but only after gaining some basic experience with negatives first.
Two final points:
a) go out and shoot and have fun while you are doing so; and
b) make notes, and keep track of what you do, and the results. This will help you with learnin.