Formulas used to calculate your Max HR (or anaerobic threshold) based on age are not accurate.
If you were my coaching client, I would recommend you spend the next several weeks just riding, observing your HR, and beginning to align that with your level of perceived exertion (ie how you feel).
No time to write more but search the forum and you'll find lots of responses for this question.



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When I ran, my events were 100 meters long usually. That means I'm efficient at working at high heart rates, but I cannot really do much at the low ranges. So maybe that's why my legs want to explode after doing even a metric century. 