I think you know what you need to know, but the use of "over-exposure" causes me discomfort.
The film and meter are sensitive to visible light. The film is also sensitive to near IR light, even if the meter isn't. The near IR light is much less intense (~4 stops) then the visible light. Even though we cannot effectively meter near IR light, experience allows us to reach conclusions about how much near IR light is around when a certain amount of visible light is there.
If you don't use a filter to block the visible light, it will overwhelm the near IR light. As a result, what you see on the film is entirely due to the visible light.
The R72 filter blocks the visible light but lets the much less intense (~4 stops) light above 720nm (near IR and IR light) through to the film.
So you meter the visible light, assume that the near IR light is 4 stops less intense, block the visible light with the R72 filter, set the camera for that much less intense near IR light and shoot away.