Most accurate and reliable heart rate monitor
I'm looking to buy a heart rate monitor for cycling, running and the gym. I've looked at numerous reviews of a dozen or so of the most popular models and there is a lot of conflicting information out there. I don't need a lot of bells and whistles, just reliable and accurate. I'm looking to spend in the neighborhood of $60 +/-. It would be nice to have something that records max and average HR.
Polar, Timex and Omron all seem to have models in that price range but all have mixed reviews. Most negative reviews seem to revolve around problems with pickup and transmission from the chest sensor and/or accuracy.
Information about particular pro and cons of various models would be greatly appreciated.