Okay, I admit it, I'm a philistine!

Most of the time I leave my F80 in 3D matrix mode and trust it. If I'm in doubt then I'll find some grass or tarmac and spotmeter it (again with the camera) but, to be honest, I'm not much good at finding a midtone.

If it's a critical shot (and I can) then I'll incident meter using a Weston Master from the subject aiming back at the camera, but this usually confirms the F80's reading.