Hello,
One thing that can really screw you in a bright lighting situation is a reflected meter. IMO, forget about them unless you want to make tonal placements, and go for an incident meter if you want a general-purpose, direct reading meter. Averaging reflected meters read directly will get you OK exposures an OK amount of the time, but that's it.
For new light meters, I would look at the Sekonic L-208 Twinmaster (reflected/incident) and the Sekonic L-398A Studio Deluxe III (incident, though it does have a way to make a reflected reading if you want). They are good, simple, cheap, and reliable.
I would also not use anything other than box speed and recommended development, unless you have a tested reason to do so. I'd manually overexpose and underdevelop if you have a scene that you think exceeds a 10 EV range. However, a blind across the board downrating of your film speed is a pretty general approach to taming contrast, and won't teach you how to make shot-to-shot lighting judgments and exposure decisions based on the conditions. All you have to do is learn how to meter well, and to make rough judgments of luminance ranges. An across the board downrating without personal film speed testing is equivalent to using a shotgun when a rifle is called for. That's my two fils, at any rate.
P.S. The L-398 requires no batteries, and the L-208 does require them.