Thoughts on Target Heart Rate?

[Jiffer]

I think as long as you seem to have found by trial and error what's a safe HR zone for you, stick with that and don't even worry what your max might be.

I agree and that's pretty much what I'm doing. I was mostly curious what other's thoughts were on the subject of HR and I'm finding it interesting that not one person so far thinks the formula is a good way to calculate it.