If you regularly exercise your max is probably higher than estimated.

I was under the impression that the maximum heart rate is something that can not be trained. This source suggests that if anything training regularly would lower a persons max heart rate.

I just think that either one is serious enough about trying to optimize ones training efficiency, at which point the formula wouldn’t be accurate enough for me. Or one takes a more causal approach at which point doing most runs at “conversational pace” is a good enough rule of thumb.

I feel like if one wants to truly train based on heart rate, then I wouldn’t recommend going by an estimate like that, but just go out and do a workout designed to push the heart rate to its limit.