My HR has always been high compared to what it's "supposed" to be. I quit wearing my monitor long ago, because of this. I know what my pattern is, and it only deviates if I am getting sick or have over trained (which for me, doesn't take much).
When I wake up, my HR is about 55-58. As soon as I get up, my HR at rest is about 68-70. It goes up very quickly, just with walking and normal activities. When I am riding, it's between 120 and 150. At my age, 80% is in the 130s, which seems low; I am not out of shape and while my max has gone down in the last 10 years, it hasn't gone down that much. But, it's very consistent. So... I stopped thinking about it.
2015 Trek Silque SSL
Specialized Oura
2011 Guru Praemio
Specialized Oura
2017 Specialized Ariel Sport