Appreciate the responses and advice. Think I definitely got to work on my "look" and work that formulaic process.
In terms of low light film, think I'll try shooting Portra at 800 ASA and pushing (or is it pulling?) to that ISO, but may just stick to black and white for a while since I just saw Delta 3200 on 120 format and it looks very very clean.
And also hope for sunnier days!