Polar uses a proprietary system that only works with Polar. A problem if you want to add a Ant+ power meter at some point. Polar has no GPS. Ireally don't see how Polar continues to sell $200 plus HRM's without GPS.
I'd take the Garmin every single day.
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You could fall off a cliff and die.
You could get lost and die.
You could hit a tree and die.
OR YOU COULD STAY HOME AND FALL OFF THE COUCH AND DIE.