Actually what you should do, if you have access to a raw image processing software, is to set your camera to capture in RAW but set the camera to display BW on your LCD monitor.
In my morning haste, I have just enough time to grab the Canon Powershot G7 to capture the interesting very directional light from the morning sun.1/5 sec @f4 ISO 100The preview on my Powershot G7 shows the histogram out of the camera for the normal exposure picture.
Mornings around the Phun house on a weekday is no different from the typical household with school age kids.