You don't necessarily need to know exactly what your maxHR is. And none of the tests will be 100% - even a supervised Vo2max test might not get you there if you're fatigued or mentally tired to push. In fact, for someone who is new to training a MHR test will not yield the right value, because the body will start shutting down earlier than one would achieve his/her true max value.
Since then there were quite a few other formulas that controlled for different variables. In particular, I found this one to provide a generally more accurate number - 211 – 0.64 x Age. But estimating should be just the first step. From there you'd calculate zones (preferably, by using a Karvonen formula) - you can use this calculator
Max HR is really only needed to calculate sub-max zones & intensities. Use the best estimate you have now and then validate those based on perceived exertion or eventually doing a functional threshold test (40-45min all-out effort). If the average HR for that test would lie somewhere in the middle/upper end of Zone 4, then you'll know that the zones are correct. If not, adjust the theoretical max HR in the calculator for the zones to match with your functional threshold test.