Heart rate is a very personal thing, and can be influenced by all sorts of factors. If you are worried speak to your GP, don't rely on anything we say!
I also have a high heart rate - peak of 198bpm and average of 186bpm last night (
https://zwiftpower.com/profile.php?z=221557)
Anything that anyone tells you about heart rate can only ever be a guide, it is a very individual thing. Having said that, the younger you are then the higher your maximum and average heart rate tends to be during exercise. How old are you? I'm 32 and have similar figures to you.
A lot of people will say things like "the fitter you are, the lower your heart rate will be" - in my personal experience that is not true (but will vary between individuals). If I am well trained I just put out more power for the same heart rate. Fatigue and illness do lower my HR though - in either case I struggle to get the heart rate up, despite power usually only slightly lower
Honestly, heart rate is such a personal thing that it doesn't really matter what anyone elses experiences are - yours are very likely to be different. You probably just need to figure out what is normal for you and look out for changes to that.