>>>Interesting--do you have any more info on that? Is it possible
>that your max HR gets higher as you get fitter? Would love to
>read more.
Your max HR is just that. YOUR max heart rate. So, while I have a max of say, 195, someone the same age and fitness level as I may have a max of 185. It's mostly genetics from what I understand. In my comparison using Brenda, her higher max doesn't mean she isn't as fit as me. She is actually fitter/more fit(?) than I. Her genes just give her a different heart rate.
Once you know your heart rate zones you can decide whether you want to do an aerobic workout, a threshold workout, or an anaerobic (interval) workout. Some studies show that going anaerobic during every workout is not good. If you work in some easy days, you'll be able to work even harder on your interval days, and raise your fitness level even more.
I hope this makes sense. I am in no means an expert. I've just been trying to learn a lot about it.
Andrea