Maybe for you, but my average HR for a 4 mile time trial is 191. My max is 205, and I'm 26 years old.
220-age is just a prediction. Like someone said earlier, it's not going to kill you to be at your max, but it's not optimal because of the slight reduction in cardiac output. You can't physically sustain a max heart rate for long enough to feel serious ill effects from a reduced cardiac output, so, barring a pre-existing cardiac abnormality, there really is no danger in allowing your heart rate to get that high.
As your fitness improves, it's common to see a slight decrease in max heart rate. This goes back to the cardiac output thing- the better shape you're in, the more blood your heart can pump out with each beat, so it doesn't have to beat as many times per minute to move the same amount of blood per minute that it did before you started training. That's why your resting and submaximal heartrates decrease significantly when you go from being sedentary to well-trained. Max HR won't always decrease, and if it does, the decrease is not as dramatic as the changes seen in resting & submaxiaml heart rates.




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Another issue is that it might not be your "true" max (I'm talking about the 212 and 225 HRs thrown out there), but tachycardia for whatever reason.