Let me just tell you how I use my light meter. Maybe you can relate to something I do, maybe you can't.
I shoot both digital and film. Most of my camera has a light meter, some very sophisticated ones, some none at all. My light meter is Sekonic 758DR.
If I'm shooting digital or F-100, I mainly rely on in-camera light meter. They are usually set on matrix mode. If I need to, I switch over to spot mode. Rarely I use average. Most scenes do well with in-camera meter. In one case where it doesn't work very well is studio portrait or close head shots. Or, weird cases like backlit or have wildly strange lighting conditions. In those cases, the scene doesn't always average to 18% and in-camera gets confused. So I either take lots of test shots and compensate (digital), or use my light meter and meter incident.(film) Most of the time though, I've done these enough that I can just guess the compensation I need, so I don't meter - unless I want to be very accurate. (which is rare) Basically, if majority of the frame is occupied by something wildly off 18%, in camera metering don't work well and need for a hand-held meter arises.
If I'm using studio flash, I always use hand-held meter in incident-flash mode. There just isn't any other way.
If I'm shooting my RB, I use my meter, although I usually cheat and use spot mode most of the time. Just pick what I want to be 18% and meter that. If I'm feeling weird, I'll do it the right way.
I really don't think you'll need a dedicated meter. Although one can argue, using digital camera as a light meter isn't accurate, it gets close. You say you always carry one digital and you, yourself said (in many ways) you don't have a need for one.