I've worn the HRM several times this winter. I have to admit that a couple of weekends ago was really tough going - deep, super-heavy snow, about 3000' laps. Hard work up AND down.
Other times when the snow's better my HR is still up but not as hard. Generally 145-160... my working max is supposed to be 150. I maxed out at 170 several times on this particular trip, which is just five beats short of 220-my age (yikes). Average was 158.
Don't think it has anything to do with the excitement of the experience, just with what's going on physically. HOWEVER, when you're on the bike or skiing, particularly when you've been doing those things for far longer than you've owned the HRM, you're used to pushing your body at that level on a regular basis. The Stairmaster is pretty damned boring so it's easy to get lazy, esp. when you don't really have an accurate measure of what you're doing.
FWIW I have a Polar model that's about mid-level... can't remember what the options are between models. Mine is programmable with my weight/sex/age, which is helpful for knowing what I should be aiming for with my HR AND for knowing what I'm burning calorie-wise. Other than that, all I really use is the HRM itself and, sometimes, the stopwatch. As long as I keep the chestband sloppy wet it doesn't have any problem working or "broadcasting" through multiple layers of clothing. Never had a problem with it being constrictive.
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