If you are going to use HR for setting your zones, then go by LTHR or FTHR.... It tells you here how to do that..
https://www.trainingpeaks.com/learn/...setting-zones/
Max HR is a poor way to set your zones as your max HR any ride you do might be entirely different. And 220 - age is not any where near what most of us that have been riding or doing other work or play that requires some cardio work.