I've been searching everywhere and it seems not many people find the Garmin 245 race predictor to be accurate. I use it and I think it predicts me as way slower then I actually am. There seems to be a pattern, the faster people get under predicted and the slower people get over predicted.
Two examples (faster): A man runs 1:12 for the half marathon, straight after his watch predicts he can run a high 1:15.
A man runs 1:16 for the half marathon, straight after his watch says he can run 1:23
There are tons more slower examples though such as someone who ran a 24 minute 5km PB being predicted to run a 20 minute 5km.
My experience is the 235 slightly over predicted but it was very accurate for me, the 245 gives me tempo/hard run times.