Oura ring- Any users?

I got an Oura 3 for Christmas and generally really like it so far, but have a couple of gripes. I’m unclear about the HRV values. I know it measures overnight, but it only measures RMSSD, which is just one of many results measured by my Elite HRV App (using a Wahoo tickr) after I wake up. My Oura HRV for the last week has been 20 (+/- 3 points) for last week, while Elite HRV RMSSD has generally been between 48 and 72, but did record 22 on two days. I’m 69 and know HRV declines with age, but these readings are dramatically different. Elite HRV has a database allowing comparison between age-adjusted male/females, while Oura has no age or gender adjustment. I’m questioning whether Oura’s HRV reading is reliable and if it’s been validated?

So far, I’m rated low on deep sleep, even though I get 7 to 8 hours of sleep rated efficient and restful. Aging causes deep sleep to diminish and again, Oura is not age-adjusted.