Generally I find anytime I have lights shining at the camera I remove the UV filter to stop any chances of ghosting, although the only time i've really experienced ghosting badly was when shooting fireworks last year after 2-3 shots I removed the UV filter as i was getting green ghosting appearing as a reflection of the image.
As mentioned previously too little contrast has never been a problem I've had!
Getting back on topic I use center weighted metering for most stuff anytime there is difficult lighting conditions i either dial in a bit of +/-EV, the more sun the more EV I find I often need to dial in some negative. At the weekend I was doing some shooting at a rally and when the sun came out strong I was using up to -1 EV but when it went away I returned to my usual +1/3.
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