Please don't think you need to apologize. It's a good idea to pick people's brains on tech subjects like this. In your work, you'll be talking to many people who need facts, and it's a good thing to get whatever info you can. This is a good place to ask.
The published filter factors are the best starting point. The film companies base their filter factors on metering with no filter over the meter and applying the factor to the resulting reading. They also presume one is metering "plain vanilla" midday daylight incident upon a neutral colored surface. Since both film and meters have varying spectral responses, once you start getting away from the neutral colors, things can get complicated.
Your experience metering through strong filters shows why many people, myself included, are hesitant to meter through filters. That being said, I do have to add that some people do so, and many of them add a correction to make the process work, and do achieve good results.
Strongly colored light and strong filters can make for "interesting" problems, so I try to meter off neutrals in the subject - or gray cards or do incident readings.
Best,
C