I’m just the wrong side on 40 and my high is around 195, not sure about being T Total, but without caffeine mine is slightly lower
For me, this level of HR is the stage where you are close to vomit, collapse off your bike when you stop and need at least 5 mins before you are able to get back on the bike again. It also pretty much ruins a ride because full recovery is so bad.
HR varies from person to person, nothing to worry about, like me you probably just have a HR on the higher side.