Well. I can’t say for sure because there is no way of testing if these monitors are working correctly but I’ve been wearing a HR monitor for years and have never seen anything near 190. I have used 3 different HR monitors (garmin, whoop and a kinetic branded one, which I think might be a wahoo) and they all have my peak around 180. Aside from the whoop, in a couple cases, but that’s another story.
I just know it’s not 200+ based on the data from years of wearing a strap. If anything my max HR has gone down over the years. 4 years ago I think I hit 185 but now rarely hit 180 on full gas I’m about to puke efforts.