I'm 29 and I've gotten above 200 once (206). I regularly hit 190-195 when climbing. I also have chased my coach around for two hours and averaged 180. People come with different sized hearts and arteries. My heart seems a little smaller, so it has to beat faster, and I'm still a fatty. What everyone is saying is that there are lots of factors that go into your heart rate. Wait til you race in 105 degree heat and see what your HR does. You'll pass out just from checking it.