I completely empathize with what you're going through. It's not easy to reach some of these connections.
I don't know what kind of meter you're using, but I really improved the usefulness of mine by cutting off the "needle" probe on the black wire (negative) and attaching an aligator clip in its place. It eliminated the need for an extra hand. I have an extra set of leads from an old meter that I can still use if I need the needle type.
There are probe kits that have special alligator clips that slip over the needle tips provided in the kit. This gives you lots of options on how to use your probes. The ones I have seen and or used also have slip over tips that are like spade lugs, and bananas too.
To Larry (the OP)
The current draw of your panel meter is NOT MUCH but over a long enough period of time it will pull the battery down some (aided by self discharge.) The battery maint, i.e. float chargers are ideal for offsetting this and will keep your battery charged without overcharging and rapid electrolyte loss. I have used several different brands and ALL WORKED FINE. HF has them on sale every so often under $10.
They aren't intended to charge a flat battery but do keep a decently charged battery topped off, even with alarms and such constantly trying to drain the battery. Even with two large (100 AH) diesel starting batteries in my Dodge-Cummins truck, my extensive alarm system would pull the battery down if the truck wasn't used frequently which it wasn't. My $7 HF wall wart type maintainer has been keeping it topped off for years now. Always ready.
And Larry, in a series circuit the sum of all the voltage drops is exactly equal to the applied voltage. So as you move along a circuit if you find ANY voltage drops and you add them all up, including the voltage across the panel meter's power connections the total should be the same as the battery voltage.
I again assert there is something wrong in there somewhere. The current consumption of the panel meter is so low that it should not significantly load wires that were intended to run a relatively heavy current using light.
When you measure the battery voltage directly at the battery posts (not the cable clamps) and again at the power connections of the panel meter, the difference in volts will have to appear somewhere along that series circuit. It could even be a poor ground connection for the panel meter.
Also, always remember , "We are all ignorant, just about different things." Ignorance is curable but stupidity is permanent. Luckily you were ignorant and not stupid and are well on your way to not being so ignorant about electrical stuff.
Beat of luck to you,
Pat