I’m not a coach, but creeping on the Strava accounts for some women athletes I know shows starting heart rates around 100bpm. Personally, my resting HR is around 65-ish, and when I get on the trainer in the morning it’s at about 100-110. The max I’ve observed is 196 (on the trainer, during a ramp test).
I don’t know, we could all be abnormal. Are there (sex-disaggregated) data on this?