No, of course don't junk the Polar heart monitor! I don't have a good read on how the newer OwnZone features work, if you are using it. However the OwnZone Age is the 220 formula, so I suggest to simply not use that. You could either use one of the newer formulas, however it appears to me that you're best off establishing heart rate zones based on some sort of test. I'm not too familiar with those yet, but I'd find it interesting to do some research there. In the meantime, my plan is to continue using the HRM only to measure calorie burn, and just watch my HR. I have pretty much always gone as hard at workouts as I thought as I could manage for the expected length anyway.