the 220 - age is only an estimate, and a crude one at that. max HR will decrease if you are overweight.
and if you're not in good shape to begin with, of course your max HR is lower. it's not something you're born with, it's something you build. how long does it take you to ride 25, 50 miles?
when you are at 167, how do you feel? at max hr, your muscles should be burning, you should be absolutely unable to speak, unable to continue, gasping for breath, ready to puke, in a great deal of suffering.
if you're not that uncomfortable, you've not gotten there yet.
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Peter Wang, LCI
Houston, TX USA