I was thinking this same thing, RR.
My DH keeps a small HRM on his nightstand. It's like a pocketwatch and he picked it up from Performance. In the a.m., before he gets up, he'll grab it and get a read.
I think about doing that, but haven't in some time. Last time I checked (last summer?) it was about 60 or 62.
My HR is always about 10 bpm higher than his for a given effort. Sitting aside the bike in the driveway, not going anywhere - just waiting, my Garmin will show my HR at about 95-100. I can't pedal my bike without my HR going over 150.