While I've never compared my D1's meter readings with another camera or exposure meter there may be some truth in the statement that digital cameras underexpose by design since it's possible to recover detail from an under-exposed picture, but if highlights get blown out then detail is irretreivably lost.
You've got a couple of possibilities here. The obvious one is just what you did: compensate to get the result you want (although needing one whole stop seems extreme - makes me wonder about the camera). Another possibility is to use RAW rather than JPEG mode so you get access to the full 12-bit dynamic range of the CCD: this gives you much better possibilities for correcting the image in Photoshop.
For the blue cast, forgive me if I'm stating the obvious, but have you checked the white balance is suitably set? If you're using auto white balance then you could try using the appropriate manual setting or the preset option (where you first photograph a white object) which will give the most accurate results possible. Another possibility in JPEG mode is the colour space: if the camera was set to AdobeRGB but you were working in sRGB on your computer (or vice-versa) then the colours would look somewhat incorrect. Finally, there's the possibility of using RAW mode again, since this gives you the most accurate results possible.
If you're still having trouble, would you like to post a sample picture so we can see what's happening?