OK, in that case to defend myself against the accusations of ignorance without illustrations from CC, unless you have a cardiac stress test done (under medical supervision) so you know your MHR, then the numbers are meaningless. Just riding a few intervals isn't going to get your MHR without taking yourself to a heart rate where you should be medically supervised. And there are plenty of formulae out there but if you plug some different ages into those you come out with variations between formulae that are bigger than the differences between training zone heart rates. And that's before you allow for the natural variability in the population at a given age which can easily mean you are 10-30bpm out. Also heart rates running are different from heart rates cycling are different from heart rates for swimming. Its very easy for any individual who has not had a cardiac stress test MHR done to be out on the training zones by one or two zones or more.
So hands up here who has had a cardiac stress test MHR done?
At the end of the day, for most people other than athletes on a proper programme HRM figures are a curiosity of no particular meaning although people seem to enjoy slaving themselves to the numbers. But then some people like to cover themselves in techno-gadgets and some people just like to ride. Polar have a lot to answer for.
Why on earth do you need to speak out on a subject you know nothing about, and at the same time adopt a position of being some kind of an authority? Pretty much all of what you say is nonsense. HR monitor based training is no longer where it's at, primarily because it has been supplanted by the use of power meters over the last ten years. Nevertheless, for many it is a cost effective means of keeping to their training objectives and as such remains widely used.
I reach my MHR probably two or three times a week. Do I always need a paramedic standing by? What kind of health and safety obsessive are you?
I have had my MHR measured in a lab setting (not that this is any kind of a requirement, it was just a part of a study I was involved in), and guess what, I now regularly reach a higher MHR (by 3 beats). My true max may be even a beat or two higher still - so what? It can change, and as someone else said, your HR reading is subject to numerous other distortions. None of which disqualify it as a tool, but it's good to be aware of them.
If you work out your threshold HR you can set your zones based on that, this is an equally valid way of using HR monitors.