Hijacking the thread a little, but if you're going by resting HR to determine OR/OT, can your HR be largely swayed by other factors? As I've alluded to myself in other posts, it's nothing for me to be rested, do one measly ride and the next day my morning HR is elevated 10-11 bpm, even though I feel great. Conversely, there are days I've ridden a lot and feel overly fatigued like I can't even go and my morning HR will be as low as I've ever seen it.
Sometimes I get the sense I'm overreaching bordering on overtraining, but after reading some of the responses here, I've never gone anywhere near as hard for as long as it seems others that have entered these stages do.