It was more in response to your "If for instance, my normal HR sitting in a chair in a chatroom on the PC is say ...60 bpm ...but then it becomes 100 bpm.. then I can assume I've should get myself checked out by a duly qualified medical practitioner ... lemme check.......nup..still 51"

However I think we need to drop the "over 100" thing. OP already said he took it at his desk and it was 81. If my RHR is in the low 40s and it pops up to 70 while I'm sitting at my desk then 81 at his desk can't be too bad.