That it a low resting HR. I would consult your cardiologist. Are you on any cardio or BP meds?

How high can you get your HR? How fast does it recover? I would be more interested in this than an absolute number.

If you want to increase your fitness, do interval training and wear a monitor.

If you just want to ride for health rather than train for a race, forgo the monitor and just use your respiratory rate. I heart once if you cannot carry on a conversation, your HR is too high.

Besides that, with cycling one day you ride like an animal, the next you not sure you'll make it back!! LOL