The average HR is about as useful as the calories burnt but I wouldn’t try to work out you hour threshold on a mountain bike ride, there usually a bit stop and start chat with mates etc.
Use your turbo and a specific workout thats designed to calculate your “threshold heart rate” there are loads on the web usually- warm up 10 minutes, couple of high intensity 2 minutes of so then at some point 20 minutes giving it as much as you can. The average of that 20 minutes x 95% is your threshold heart rate( the maximum you can sustain for an hour.
Plug that number into a zone calculator and it will give you the zones you should be useing in workouts.
Sounds a faff but structured workouts using zones are the quickest way to get fitter.