The practical way out of your actual situation, when you are halfway through a roll and the light drops: leave the dial alone and change something else.
Open the aperture, drop the shutter speed as far as you can hand-hold, brace against a wall. On a 400 roll indoors you are often only a stop or two short, and those are available without touching the meter setting.
If it is genuinely much darker than that, the other honest answer is to finish the roll quickly on anything, rewind it, and load a faster one. A few wasted frames is cheaper than a dozen unusable ones, and much cheaper than a roll you then have to guess the development for.