1 day a week is a rest day, last full week of the month is an easy week.
Nearly the whole second half of last year became an easy period, after I got sick of training. But my fitness did suffer. I pushed myself too hard for the first 6 months and the elastic snapped.
This year I intend to be a bit more scientific about it, and make sure I have easy days and weeks as well as hard days and weeks. Which is where a HRM becomes worthwhile, I find it easy to know how hard I can push myself for a period of time, but knowing how to reign in the effort on easy days is much harder.
I would like to try a power meter out of curiosity, shame the Garmin ones are going to be so expensive, I think they have priced them into the existing power meter market rather than being competitive, means they are well beyond my budget for my level of performance. I love geeky data, but that would pay for 2 or 3 weeks cycling in the sun.