I used to worry about this when i started running aged 45. Getting my heart up really high was a new sensation and i thought that i’d damage something if i pushed it past a certain point. In truth your body will stop your body hurting itself. You can go pretty hard before you max out and then you’ll just run out of juice and slow down and stop. See the Central Governor theory mentioned above. Max HR is per-person and you cannot correlate it between yourself and others. Although age has a bearing on it for sure.
If your benchmark is a ramp test then you’ve probably not yet seen what you can really do if you’re motivated enough. My Max HR is 185 and i’ll see that in the last few hundred yards of a 5km race or 10km race. I’ll rarely see it on the bike - it would have to be in the last blast towards the line of a Zwift race, uphill, after a hail Mary break when i really really want to win.
In summary- you aren’t going to hurt yourself: Go as hard as you can, have fun. I believe that this is different for horses though and they really can run themselves to death.