Just to be clear, it looks like you are aware you can change the default settings for your zones on the F11, and you just don't know what you should set it to, right?
Also, I'm not quite clear on your usage of "max." Generally, "max HR" means the highest you can possibly get your HR at maximal effort (e.g. after repeated full-out uphill sprinting). The setting in the F11, however, is a suggested upper training threshold--something completely different, which probably corresponds to maybe 75% of what the F11 guesses your max HR to be.
Furthermore, I don't think the F11 is cycling-specific (F stands for fitness), and max HR and training thresholds are sport-specific, so that's something else to consider. Furthermore, your desired HR for training will vary based on if you are base-building, tempo-riding, doing anaerobic training, etc. I suspect the number they dial in by default corresponds to zone 1 or 2 running (not cycling) according to population averages with the gender, age, height, and weight you have in the settings.