I also stopped using my HR monitor. My resting HR in the morning before I get out of bed is anywhere between 55 and 62. It is very affected by lack of sleep, caffeine, stress, etc. But, once I start walking around, doing normal daily activities, it stays around 68 anywhere up to 75. Just getting up and walking can sometimes make it go to 80. I know from when I used my monitor, my HR would often go up to 130 right away! Then it settles in, stayed around 120-140 except during climbs (most of my riding is on rolling roads, with short steep climbs in between). As I got older, not much changed! It seems like my HR is always higher than everyone else's, yet I can climb tougher hills than a lot of the people I ride with. Now that I am 54, 80% of my max is around 133... I think if I wore my monitor I would find I am higher than that a lot of the time.

I don't worry about this anymore. I know I'm in pretty good shape and that my HR is usually higher than I think it should be.