it's all relative
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it really is all relative. my resting heart rate first thing in the morning is 42-43 bpm, if i'm starting to feel overtrained and not recovering between workouts it will be as high as 46-48. I do my long climbing repeats right around my LT 153-157 bpm and time trial 165-170. the absolute highest i've ever seen my heart rate is 174.
the charts might be a decent place to start at for most people - but they are not the gold standard. a fitness test, your perceived level of excersion and paying attention to your breathing patterns will help you determine at what heart rates you are using your different systems to power you down the road (or trail).
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Things should be made as simple as possible, but not any simpler.
-- Albert Einstein (1879-1955)