[1]: https://www.mayoclinic.org/healthy-lifestyle/fitness/in-dept...
[1]: https://www.mayoclinic.org/healthy-lifestyle/fitness/in-dept...
I was using "zones" per the Strava app lingo. I rarely make zone 5, which would be 174+ heart rate. I spend a fair bit of time in the 160 range, though.
For example, 220-age suggests my maximum HR is 178 and my threshold HR (85% of this) is 151, but in fact my max HR (determined empirically) is 188 and my threshold HR (based on an actual threshold test) is 162.
I do a test every 3 months, as the zones can shift as you get fitter.
Running might use a different protocol, but the same principle applies.
* These days I base my training on a 3-zone system: low intensity, below aerobic threshold; medium intensity, between aerobic and anaerobic (lactate) threshold, and high intensity, above lactate threshold. This is the system preferred by researchers, as it's based on real physiological markers.
Translating the 3 zone system into the 5 zone: low intensity equates to zones 1-2, medium is zone 3 and zone 4 up to your (lactate) threshold value, and high intensity is everything above this, i.e. the top part of zone 4 and all of zone 5.
So 'vigorous' per the Mayo Clinic would be medium intensity on the 3 zone system.
Target HR = RestingHR + (MaxHR - RestingHR) x 0.85
So, if your RestingHR = 70 :
Target HR = 70 + (178 - 70) x 0.85 = 162
Marathons are meant to be run at the edge of Z3 so you avoid hitting your lactate threshold. Think of your ability to run in each zone as separate gas tanks. Your Z5 gas tank is very small. Your Z4 gas tank can be trained, but is still relatively small. Your Z3 gas tank is basically unlimited (ultra marathon pace, 50+ non stop miles possible for almost any healthy human). Cardio is not about suffering.
Most people should be fast walking to maintain Z3 rather than suffer it out in Z4 and Z5 when they are getting started.
Checking my last long bike ride, I see I maintained 120 heart rate for majority of it. Which means I spent most of the time in zone 2, and makes sense that would be easy to maintain. (Contrasted with my last commute, where I cover 270 ft of elevation in about 7 minutes, mostly at about 160 heart rate...)
And probably you too, given I have a hill around the same size on my commute that takes me around 7 minutes too.
My naive understanding is that I can push more time in higher heart rates and slowly pull up what I can do in the lower ones. That said, I'm just aiming to be consistently in the 6 minute time frame for that hill by next year. As things are, I'm quite winded if I hit the low 7 minute time frame. So, trying to pay attention to any methods I could use to make that better.
AFAIK your 'naive' understanding is pretty right on. I subscribe to the philosophy of spending as much time as possible in the "sweet spot" (search on that term), which is toned down just a bit from the best effort you can do in an hour.