Excuse me for my heartfelt laughter; the statements I've made are not "wrong" but I simply suggested the advantages of an incident meter over a reflective meter for certain types of shooting. As I mentioned elsewhere in this thread, most people that run down incident metering have never used one. By your own admission, you appear to fall into this category.
I probably use an incident meter for less than 5% of my work, so I am well aware of the advantages and limitations of reflective meters, and unlike most people, I not only relying on my in-camera reflective meter; I also use a 1° reflective spot meter head with my hand-held light meter. I probably understand metering as well as, if not better than most...
The important thing to understand with any reflective metering there is that it is based on the assumption that the parts of the image measured, converted into black and white, could be represented by a middle gray value (I’m not going to get into how middle gray should be defined; as there are all kinds of differing views on that as well). All of the various algorithms use different ways and / or points to measure, but the ultimate assumption still resolves around the underlying middle gray value giving a proper exposure. If the collection of measured points result in values that are not close to middle gray, the recommended exposure will not be correct. That is true for any metering mode, spot, matrix, etc.
Again; an incident meter is only useful when shooting subjects that are relatively close to your camera; especially when one is using multiple light sources to light the scene. This is where I tend to use an incident meter; building up the lighting for a scene. It’s far faster and easier than trial and error, and I do keep notes, so doing a reshoot later on is really accurate and easy, because it can be validated quite quickly.
Your second point, I use a similar technique when doing a pano landscape. I try to understand the lighting and light distribution across the scene so that I can determine the “best” exposure across the multiple frames I will have to blend while trying to protect against blown highlights (and to a lesser degree, blocked up shadow detail).