Clearly you are a little more clued in than some of the rest of us including me. Enjoy it. This thread isn't here to help you in particular. I don't think anyone here said "all 50+ ers and especially all 60+ers must have HRMs." Let the rest of us who can benefit from this thread do so and benefit from your positive contributions.

I've found the HRM has helped me to distinguish between my levels of effort and to see how to control my exercise intensity better than I did.

Road Fan