1) The Cardiac Exercise Research Group at the NTNU has a corrected HRmax calculator —
https://www.ntnu.edu/cerg/hrmax
— and a Fitness Calculator —
https://www.ntnu.edu/cerg/vo2max
— based on treadmill VO2max tests of thousands of Norwegians.
Check your scores.
2) You say your heart-rate shoots-up fast. Does your heart-rate drop-down fast when you stop exercise?
At-rest maybe 50, warmup-jog maybe 100, then it depends on the ambient temperature. If it's 85F then HR drifts up to 140 and flattens. If it's 50F then HR drifts to 110 and flattens. Then it depends on effort. If it's 85F and hard then 155; if it's 50F and hard then 135.
Last-time I looked my calculated HRmax was 170.
3) I'm not offering medical advice. In my understanding HRmax does not mean something bad will happen if heart rate goes higher. HRmax means heart rate is unlikely to go higher.
Maybe trust your cardiologists?