I do and I don't heed Garmin's recommendations. For example my watch currently says 33hrs until I am fully recovered. I will not wait 33hrs before my next ride/workout. Weather permitting I will hop on my bike tomorrow and get a workout in.
The load graph on the bottom of my FR745 does a pretty good job of calculating how I feeling. I have noticed that when the bar graph is getting up towards the upper end of the green section, or even into the red section, I AM physically tired. I do not know if it is psychological b/c I am reading the bar graph or not, but I am tired and I noticed my workouts are not as good as they could be.
What I do want to start doing though is following Garmin's workout suggestions. I am curious to see what their workouts are like and if I will progress as an athlete or just hang in there for the status quo.