The data on the watch looks like gibberish to me, 55 - 80 - 105 - 130 etc over a few seconds. The HR never is very high since I get these when not exercising. But it is bouncing all over the place and it stays that way for awhile. I definitely feel funny so its not just the watch acting up.
I found a more convincing link on the creatine aFib earlier but can't find it now. I agree that one article is not saying much. Overall my impression is for nearly everyone creatine is fine but it could be bad for a few people. This is similar to an allergy kind of thing.
My monitor was also a Zio. I thought Holter was just the type of monitor. I guess it is like "Band-Aid", was a brand now a generic name? Good luck with your Zio. I also got a few other tests which showed mostly nothing. Something is not right for me, but hopefully it will stay minor and not kill me any time soon 😁