I read all these notes reporting HR and am amazed.
resting for me 55, riding comfy 124, once in a blue moon and seeing spots before my eyes 150 or so. I usually can't go much beyond 148 normally even on a long hard up hill climb. I usually poop out as I hit about 148.
my suggested HR Max 155. I might have made it once in my two year's + commuting.
I did have a stress test but bailed before I reached that magic 155 number and the doc's said to keep riding and working out and to check back in a year or two to see if I can't go further. right.
these HR numbers really are individual and can't be entirely generalized I think. Variables must be more variable than the averages would suggest. ball parks are nice to visit but I don't live there.
get yourself to a doc and get the test so you don't run into unknown territory before you know it. rides in the ambulance are highly over rated.