Hi Pete!
Welcome to the Q&A Board, and thank you for your kind words about Digicamhelp. As you probably know, I use a FZ3 and am one of the ones who keeps the exposure mode on Spot. It seems to work well for me in any situation I shoot, but the trick frequently is to lock exposure and check the LCD screen. It give a pretty good indication of if the camera got the right exposure. You can also change the display to view the histogram to check for proper exposure.
Here's some info on the main types of exposure modes, and suggestions as to when to use each:
http://www.digicamhelp.com/digital-camera-features/metering-modes.htm