Which heart rate monitor

Looking at really trying to get better fitness levels, been of the bike for about a month or so now with one thing and another, but when I was riding could never really gauge how hard I was pushing or should be pushing so looking at buying a HRM would a basic one do the job (polar ft1) and where should I start.
work hard, play hard, fall hard
cube stereo 2010
Felt Z95 2013
cube stereo 2010
Felt Z95 2013
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I recently got a Polar HR monitor but have yet to get to grips with training zones. My max HR is more difficult to figure out than I thought it would be. Time, Average HR and max HR is all that my monitor shows me and I'm happy with that.
edit - some advise on max HR here: viewtopic.php?f=20024&t=12847819
Also, the "Ride Fit" supplement that comes with the May WMB has a good article on HR monitors.
Bighit , 5 , BFe