Reading your posts it seems that there is no light attenuation introduced by the lenses, or better that there are no difference (or not appreciable difference) in light attenuation between different lenses. So, the argument that a zoom lens is "darker" than a fixed focal length one is just a urban myth?
Light passing through any glass causes a little loss, primarily due to a little of the light bouncing back off of the lens surface instead of just passing through. It was a big issue in the early days, when multiple lens glass elements all added up multiplying this loss. However today, lens have modern anti-reflection coatings, which greatly reduces this loss to nearly zero (also minimizes internal visible reflections and flare). But still, some modern zoom lenses with say 15 glass elements (30 surfaces) does lose a bit more than a simple lens with say 4 glass elements. Worst case today probably won't total to be 1/3 stop, which is the minimum adjustment the camera can make anyway. Hollywood movies do use lenses calibrated in T-stops instead of f-stops, which is about the actual transmission instead of the general math. But movies might switch lenses in one continuous scene where 1/3 stop might be visible, where still photos taking only one picture will never "see" a switch.
Good modern coatings make it be an extremely minor thing TODAY, generally not of any interest now (it is solved). Lenses have modern coatings today (cheap filters may not be so good).
Second thing.
WayneF said that a different focal length, and so the different field of view af lenses, change the internal light measure of the scene since a different amount of reflected light goes through the lens. This is stated as a pros of internal light meters, that measure the light in the area of interest. But, since external one can measure the light that strike the target, I am, as said, measuring the light that strikes the target (say, I'm placing the light meter on the head of the subject of my portrait to measure the light), so you can't compare the two situations. This, if I've well understand how an incident light meter works... Maybe you are talking about using an external meter "like" an internal one? (e.g. mounting the light meter on the body of the camera
like this).
Hand held meters can be reflected or incident. Beginners asking which (camera or handheld) generally don't know about incident meters, which is the actual advantage of a better hand held meter.
Also the overwhelming advantage of most hand held meter use is to measure flash in the studio (camera meter cannot, excepting TTL, which is very special purpose and limited).
So, a hand held meter can be an incident meter (which camera meter is not), and a hand held meter can be a flash meter (which the camera meter cannot, generally).
If metering your studio portrait flash picture, the camera meter cannot do it (the Nikon Commander TTL excepted, but limited). Flash surely represents the large majority of hand held meter usage today.
If just metering your landscape picture, the way to bet in general about metered "accuracy" is:
1. Best: Incident meter, which must be hand held, and is metered at the subject, meter aimed at the camera. Meters actual light level. Light falling outside the actual lens view is of no interest or importance. Best because it meters actual light level on the subject, and it is independent of the unknown subject reflection characteristics.
2. Reflected meter in the camera, behind the shooting lens (meters only what the lens will see).
3. Worst: Hand held reflected meter, which is generally wide angle, as compared to the probable lens used.
EDIT: For example of flash meter in the studio, with four manual lights, main, fill, background, and hair light. With a hand held incident flash meter, we meter at the subject (flash intensity falls of with inverse square law). We meter each light individually, at its subject (background fabric in that case), and set its manual flash power level to give the level we want (the ratio we want). Maybe we set main light to meter f/8. Fill light to be maybe f/5.6. Background light maybe f/8, depends). Hair light depends on hair color, we sort of set it by inspection, black hair maybe a stop more than main, blonde hair maybe a stop less than main light. Then we meter the main light and fill light together to set camera aperture. Then we are certain what the lights are doing.
The camera meter cannot do any one step of that, but the incident flash meter makes it be trivial (and repeatable). So hand held meters are quite popular, but possibly not for newbies still trying to learn the what's what about the camera and the exposure. Beginners ought to try to
learn how the reflected light meter actually works though.