Thanks for the comments… I think the readings are accurate since they are repeatable across different devices and monitors. During a recent physical blood pressure, cholesterols, and all measured health items were in the ideal range. Except weight, I am about 215 lbs on a 5ft 9in frame (not ideal).
I think the high heart rate is a function a base fitness level. My real question is would I benefit more from repeating the base phase or starting a build phase?