RainmanP,
My current HR monitor is a SigmaSport PC6. I got it over two years ago, and it has served its purpose well. It is a basic model, upper and lower limits can be set, but in all honesty, I still don't know what my Max HR is. I am thinking about getting one of the newer Polar models that will tell me what my max is. I don't necessarily need to link it to my computer or anything, but I would like to know my actual, not theoretical (220-age), max HR.
Anyway, that's my 2 cents.
Ride well and ride often.
BCBoy