Thanks ladies!
Emily, very helpful and had me laughing! "and when you're just about to throw-up check your HRM"
I've been there and I hate this feeling.
I estimated my max HR using two sub-max tests that were listed with the HRM instruction booklet. I calculated two different ranges, one higher, one lower. The low end was 187 and the high end was 197. These were calculated by doing approximately 30 sit and stands in one minute and then doing basic steps on an 8" step for three minutes, then averaging those two heart rates. I'm not sure how accurate these tests are.
I think I plugged 187 into the HRM as my max and programmed it so that zone 4 (80-90% of the max) was my training zone. During my run, my avg HR was around 163, max 187 which occurred while running up a hill that was fairly steep and 1/4 mile long. I know that I could not have maintained 187 for very long. It hurt and was just shy of wanting to puke.
But, I may play around with this a bit as it's set currently and then find a good day sometime in the near future and try your method. I hate to subject myself to this type of torture though!
Thanks for your help!