My resting HR is 60 today!! (whoopiee! it used to be closer to 80)
I'm 54 years old
but I wore a HR monitor this weekend for the first time and found out
that much over 162 and I am really getting stressed. The good news
is that my HR goes back down fairly quickly.

So, if you are 40 or over I would be concerned about those numbers
but if you are just a sweet young thing, you probably aren't hurting yourself
but keep working and it will go down.