I struggle with the metering settings on my unsophisticated D5100 and have settled in with Matrix as being the best, but it still fails me at times. With my favorite subject being trains, locomotives have extremely bright headlights and regardless of setting, the camera then closes the aperture and my pictures often come out dark. I can't do auto-bracketing or manually set the Stop because a train is a moving object and there's a, brief and optimum composition as it passes by. The lighting composition changes drastically when a dark locomotive with a bright headlight fills the viewfinder. Maybe I could add 1/3 stop on my shots just to test.
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Oddly, I rarely had this problem when I shot Plus-X, Tri-X and Kodachrome films with my N2020, EL-2 or Nikkormat FTn.
Any ideas are welcome!