I have a Polar HRM that gives alarms for out of range rates that are determined by your personal data. I've found it very tedious to program and my gloves tended to de-program it. Further more, once it lost it's program it wouldn't display your HR or average HR. This made it of limited utility. My advice is to stick to the most basic model that just gives you your heart rate, and maybe your ave HR and does it consistently. You can calculate your range yourself, then just mount the monitor where you can see it and ride accordingly. Alternatively, talk to yourself while you ride, or sing. When you start to be unable to talk smoothly you are moving out of your aerobic range; based on your actual condition, not your theoretical condition.



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