Why train by heart rate zones?
Heart rate reflects the real intensity of the effort, whatever the climb, the heat or the fatigue. Training by zones avoids the most common trap: running easy days too fast. Most of your volume belongs in zone 2, where you build endurance without wearing yourself out.
Max heart rate: measured or estimated?
The 220 − age formula is very imprecise. Tanaka's (208 − 0.7 × age) is better on average, but individuals still vary by ± 10 bpm. The most reliable approach is to note the highest value reached at the end of a short race or a hard hill session.
Karvonen or % of max HR?
The Karvonen method accounts for your resting heart rate: zones are computed on your heart rate reserve (max HR − resting HR). It fits your fitness better, especially if your resting heart rate is low. Measure it on waking, lying down, several mornings in a row.