sunnylass, you have not specified which camera body you are using. I assume it is a canon 350D or 400D range?
To answer your question for
"which one to use for what purpose", I'm sorry to say that there is no magic rule for this which to use for what, it all depends on what you want to achieve.
Most easy part to understand how each metering
mode works is explained above. I guess there is no need to go through them again.
One thing you should know that, cameras are colour blind. They don't see colours. But
reflectance of lights. Meters in camera evaluates the scene (depending on
mode) and assume the middle between the brightest and darkest tone is to be grey or approx 12-18% reflectance.
Something for you to experiment:
- Go into a room with a window. Under a very bright and sunny day.
- Aim your camera at the window, leaving the walls and other stuff in the room visible.
- Shoot under the 3 metering settings, while keeping the window centred and the rest as a frame around it. What is the difference?
- Now put the window to the side of the frame, do the same thing again, what is the difference?
Experiment 2:
- Use a piece of pure white cardboard or paper, fill the frame with it and take a picture. Is the paper white? Is it properly exposed?
- Use piece of pure black cardboard or paper, fill the frame with it and take a picture. Is the paper black? Is it properly exposed?
Mostly, camera will render both your white and black to be near grey, because it cannot see any other reflectance of lights but those. And this is where exposure compensation comes into play, but that is another lesson...
Key is, experiment, experiment... come back with few sample pictures so we can further assist you in this explanation. It is easier doing it than understanding by reading...