SO, I ran off to see my doctor today and got some really strange advice.
So, first off he said not to worry at all about what my heart is doing. I told him I aim for a heart rate of 130-140 during my cardio and he did say that was great for maximum benefits but he also said it's not something I should worry about. Higher, or lower won't make any huge difference, basically. Pretty much he figures I shouldn't bother checking my heart rate so long as I work up a sweat and feel good about what I'm doing.
He also suggested, well, strongly recommended that I switch to small meals every two hours throughout the day. HOLY CRAPPOLA... I'm not sure if I can do that... but I've heard people mention that method before so maybe I'll give it a try.
Anyway, just thought some of you might find the whole 'don't bother checking your heart rate' thing interesting.