Hi - I'm using a D3100 and have noticed that a shot through the viewfinder (phase-detect) is always 1-2 stops faster (aperture or shutter-speed) than the self-same shot using Live-view (screen, contrast detect)! I've experimented with priorities, settings, compensation, focus modes and so on, and it remains the case. I think it may be the the different ways of gathering info by the two systems. I've not found a 'scholarly' article, though.
Any ideas? Thanks!