Kudos to Yessirree Bob for asking the question I wanted to ask and to 60 yo for wow, that answer.
When I decided I would do easy/tempo runs by heart rate to make the most of my workouts (which IMO were not aggressive enough with the pace tables I was using), I found conflicting advice, as I'm sure 60 did, regarding the measurement and usages of max HR. So I turned, as I often do, to Matt Fitzgerald, who advocates for LTHR as the gold standard of heart-rate measurement.
To get your LTHR is a little tricky, but the way Fitzgerald does it, you type in a recent 5K race time on Matt's calculator on the 80/20 Endurance site and it spits out a LT pace, in my case 6:01. Then you go to a track, achieve a 6:01 pace, let your HR plateau and bing, that's your LTHR. It wasn't quite as easy as that but:
https://pasteboard.co/HQgrrgG.png
Close enough; I set 165 as my LTHR and then calculated my zones, again using Matt's calculator:
https://pasteboard.co/HQgs88q.png
In the Fitzgerald system, Zone 1 is recovery, Zone 2 is regular/easy run, Zone 3 tempo, etc.
At first I set buzzer alerts if I exceeded Zone 2 on easy runs, but lately I've switched that off because, as 60 noted, you start to listen to your body. That, btw, is an excellent side effect of going to the trouble of HR monitoring, provided you wean yourself from constantly checking your watch.