I love my HR and bike data. I love my Garmin. You can find plenty of century training plans, but for sure if it is August, just work at your time in the saddle until you start a real program. As well as doing intervals etc have at least one long ride a week (1 hours is a short ride), HR is highly individual. check out Freil (google, )and set your HR zones according to his LT test, I have a teen friend whose HR is crazy high when she rides with me and I am 3 times her age and I have a higher working HR than some of my friends but a lower resting HR. I have not been a lifelong athlete and I expect I have to pay for the years I smoked and was fat and sedentary.