If you want to use HR as a metric (primary, secondary, whatever), HR max is not going to be the best way to go anyway…as evidenced by all the comments above…you never really know if what you think is your max is the true maximum you are capable of. And, any zone estimates based off max HR aren’t worth a whole lot, depending on your fitness, muscle fiber typed, etc.
eta: The HR maxes I’ve recorded (once or twice a year) were always in the summer in Florida (hot and humid), in the 2nd half of a 2+ hour ride on sandy mtb trails, going up a steep, steep climb of a minute plus…and it’s increased a beat about every other year (presumably the HRmax hasn’t increased, rather I’ve gotten fit enough to reach a little higher bpm before breathing or muscles said back off). And I’m 54, so if I was hitting true max each time, it should be going down as I age, not up.
If you want an HR benchmark, do a LTHR (lactate threshold HR, it’s the HR “equivalent” to FTP), and find out at what approximate heart rate you currently stop sufficiently clearing the lactate. With LTHR you can approximate your top of z2 and see how that feels during endurance work and tweak it from there. Your HR will vary based on nutrition, fatigue, temperature, stress, etc.
Maybe your background of lifting has raised your ability to clear/use the lactate. My n=1 is that I know when I’m past my LTHR for more than a minute or so, because I feel the burn. Don’t have that issue below my LTHR. This is why I suspect your max HR could be low, and it doesn’t make much sense to me that your ftp would be overestimated if you’re able to ride at the estimated ftp, while not being HR limited (they both can be tested with a 20-min test with reduction of 5%, there are other tests, as well, obviously). Again, n=1, I didn’t develop good base fitness for over 5 years of mostly unstructured 4-6 hr/wk riding (and didn’t know it until I finally focused on that last year), and I got to where I could hold a pretty high HR for longish rides (I ride mtb). But, I knew when I was above LTHR, whether or not it was hot, or I was fatigued, or I had eaten or slept enough.