Thanks all for your responses. I've been in the darkroom (bathroom) most of the day trying to make prints, not testing, so I missed a lot of this.
I'm 48 years old and I'm trying to learn film for the first time. Well it's been about 6 months so far. I'm on the down hill side of life, so I don't want to spend a bunch of time testing, but I do want to start being more systematic about the process. Up until now I've mostly flown by the seat of my pants, and I don't feel that's been working real well.
I'm going to use one camera for my serious work, a Mamiya RZ67. I also have a Rolleiflex arriving next week that I'll use for a fun, walkabout/travel camera. I use a hand held meter. I want to shoot one, maybe two films. It will be either Delta 100/400 or T-Max 100/400. I've settled on DD-X for film developing and Ilford Mulitgrade developer for paper. Paper is Ultrafine Elite VC RC.
I could forgo the testing and shoot box speed, but I think going through the exercise of finding my personal film speed and development time, will help teach me how all the pieces of creating an image fit together. I very well may end up where I am now, shooting box speed, but hopefully by testing I'll be a little more knowledgeable about what I'm doing.
A couple people mentioned using a gray card for testing, which led me to an article by Steve Simmons that I think I'm going to try and follow.