The answer you need is in your camera manual, all cameras are not the same.
I can confirm that if you use a Nikon D800, the camera meters a 4mm circle that is about 1.5% of the whole frame, and that that circle is centered on the focus point you are currently using. This is useful if you are focusing on something that is not centered in the frame, but bear in mind that if you are focusing on something that is very dark or very bright, you will need to use exposure compensation (the meter is still trying to get get an exposure based around 18% grey).
Some cameras have the spot-metering sensor in the center of the focusing screen, and if that is the case on your camera, if not using the center focus point, you would firstly take the spot-meter reading, adjust exposure compensation if needed, lock the meter, then focus as normal and take the shot.
Spot-metering can be very useful .................................... if you learn to understand how to use it. For most people matrix metering serves the purpose very well, and is usually pretty accurate.
Hope that helps.