I'm not talking about the bogus calculated heart rate, I mean the actual maximum you've recorded on your heart rate monitor (I'm assuming that all of us who use a heart rate monitor have pedaled long and hard enough to reach our maximum, at least once).
I used a Polar heart rate monitor regularly for a year or so when I started riding, two and a half years ago. My maximum on it had been 183, so when I was entering my information into my new Garmin Edge 305 gps (with HRM), I put 183. Then, I promptly went out and recorded a heart rate of 187 on my very first ride using the 305, while chasing some roadies.
Your maximum heart rate is supposed to get lower as you age, not higher like mine did. But, I've read that it can be different depending on how you obtain it (treadmill, running, cycling, etc), so maybe the extreme recline of my Corsa caused it to be different, or maybe it's just because I hadn't been exercising for long when I last recorded it.
Anyway, just out of curiosity, to all the bf50+'ers who do the HRM thing, what's your maximum heart rate? Mine (freshly observed) appears to be 187.