I used to take it carefully because I had to, but that didn't stop me from cycling in hilly terrain like the Lake District etc.
FWIW, this is the data from my last tour:
View attachment 766623
As you can see, some of the rides are a comparable distance/ascent to yours, but my speed and HR are still quite modest. Note that the HR data are daily
averages, not maxima. I was trying to keep my HR below 130bpm (78% MHR) on the climbs, and my highest daily average was 109 (65%) with an overall average of 99 (59%). There were
no occasions when I came anywhere near 220-age, or it would have been game over for me. (Climbing 25-30% gradients I would be in a 17.5" gear, going as slowly as I could balance the bike: ~2.3mph)
I was overtaken by joggers going up Ribblesdale toward Helwith Bridge, I consoled myself with the thought of overtaking them going down the other side, but when I got to the top they were already back at the bottom.
I was overtaken by
walkers going up Kirkstone via The Struggle.
I've had a couple of Bruce tests at the hospital. They take you up to 220-age, but they don't push it to see how far you can get.
If I overdo it, it's usually an early bath, sooner or later. On one tour I got a bit overenthusiastic one day, and despite soldiering on
very carefully for another week, I had to abandon it in the end.
My record is 260bpm sitting in the armchair, but that doesn't prove I'm fit & healthy.