Turn 43 soon. My recent Strava data shows 197, just as I reached the top of a certain climb. My heart rate tends to be high during a ride, although it doesn't really bother me. I do have Mitral Valve Prolapse, but the cardiologist doesn't think biking will be an issue. He told me don't go crazy, and avoid caffeine, including energy drinks. Whenever I drink that stuff, the heart fluttering increases. I don't notice any of that when riding.

As for longevity and exercise ... I think longevity is proportional to nap time