Remember that the 220-age thing is just a rough guideline! (and I vaguely seem to remember hearing that it's for people who don't exercise, but I can't point to the source of that).
You can also try 211-Age/2 (for fit women), or get as complex as:
* Use the Miller formula of MHR=217 - (0.85 Ă— age) to calculate MHR
* Subtract 3 beats for elite athletes under 30
* Add 2 beats for 50 year old elite athletes
* Add 4 beats for 55+ year old elite athletes
* Use this MHR value for running training
* Subtract 3 beats for rowing training
* Subtract 5 beats for bicycle training
So, er, what? The third option, and the one I'm most fond of, is to just keep track of your workouts, and use your own max as your max. (I have seen 212 on mine, so according to the first equation, I should be 8 years old! But also, I hit 212 and I didn't die from it.)
To repeat what others have said: that 100% effort, or YOUR max (not necessarily the calculated one), shouldn't be where you hang out, but there's no real danger in hitting it, so long as it's brief. You can hit your real max on intervals, weight lifting sets (but not inbetween), probably your squat thrusts, sprints, maybe a sprint to the top of a hill when a squirrel runs right in front of your wheel... but after hitting that high spot, recover recover recover!
-- gnat! (Just took a VO2max test and has been reading all about this stuff)




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