TC - not to sound like I don't know what I'm doing but when looking at the spot metering am I looking at the line that has -3 to +3 in my viewfinder for my difference. What happens if it's off the line?
Assuming a landscape, and using a tripod, you probably want a high-ish f-stop (e.g. f/11 or above) to increase depth of field, would keep the ISO low to eliminate noise (You're on a tripod so why not use ISO 100), and would likely use the shutter speed to alter exposure.
I'll switch the camera to spot metering, point the camera toward the land (below the horizon line to make sure I'm not metering any of the sky) and dial in the exposure I want.
Then I'll put the camera up toward the sky (but avoid the sun) and meter that.
You don't have to use spot metering... you could use a center-weighted average metering or even an evaluative metering (Nikon "matrix metering") - but the point is you want to know your cameras metering modes to make sure you're getting an averaged meter reading for the "foreground" independent of an averaged meter reading of the "sky".
If it's within 3 stops then you'll be able to see it through the viewfinder ... it might show up as +1, +2, or +3. If it's at or above plus three, take note of your current shutter speed, and double it to see if and how much your needle moves on the light meter. Keep doing that until you determine how many stops you really have. After you count the stops, don't forget to take the shutter value back down to the exposure needed for the foreground.
You now know how many stops of ND you need for the sky.
I realize you're using a Cokin filter, but Lee has quite a few good tutorial type videos on their website.
Here's a good primer:
Get Started-02
Also this video is worth watching:
Get Started-02
(They both show up as "Get Started-02" but the first is a Lee Filter workshop with Jeremy Walker. The second is a Lee filter video by Joe Cornish. So they aren't actually the same video linked in twice.)