I have a new question:
I read a statement somewhere that in zone 4 one cannot talk except with a few words; I think it actually said "you will not be talking!". However, when my HR was is in high zones I am able to speak more than a few words... more like a whole sentence before having to take a breath. Does this mean my HR may be artificially high in those circumstances, or I may be more fit than I realize?
It could be your LT is higher than you think, or it could be that, like many women, you have
exemplary speaking skills.