Once again the ladies are right. The estimated heartrate is not your specific heartrate, and may not even be close.

I have an athletic friend who has told me that if I want to determine my true max heart rate on the bike, that I need to, after a good warm up, ride up a steady but not too steep incline at max effort until I puke. I have not tried this, but it seems logical. There are other ways of calculating this information if you look online.

On my Garmin, I can change the heart rate zones for each activity. Once you have a better idea of your max, you can probably adjust yours too.

H&B
~T~