Cheri,
I think accuracay vis a vis the Hr displayed is a given, It's just the more accurate have more features
As an example,
I wound up with both a Polar F4 and F6
The f4 will do all the "usual" stuff, like beep at you when you're too slow or too fast. It also does calories, but can only monitor one zone at a time .During the course of ridie, I may be in several trianing zones.
The F6 has a backlight, and a more accurate algorithim to determine your BMR(calorie burn) and your target zones. You can supposdley download the info from it, and it has a coded Strap. The non coded straps can pick your nieghbor's pacemaker, or High Voltage power could throw them off. The more expensive Polars have an "even Better" strap, and can do more things
So it's more what do you want to do and what do want to spend?



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