For me, it's still a guessing game- I stayed even for a while, gained a few pounds, dropped all but one and stayed there for a couple months, but the next time I seem I went up, I seem to have found an equilibrium that is 3 lbs above my goal. So I'm riding 100 miles a week but can't seem to get these 3 lbs off. It's all about counting and tracking and I think I haven't been as good at that.

Interesting how the Garmin gave a more realistic result w/o the HRM.

nscrbug - did you ever try contacting Garmin to ask them about the discrepancy? My DH did not have any other ideas...