Opinion re: Heart Rate Monitor for Serious Exercisers

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I'm thinking it's time to replace my trusty Polar HRM. I've had it for 7 years. Although I'm not a marathoner or tri-athlete or anything like that, I am a serious exerciser. I exercise religiously 90-120 nearly every day. My Polar has started reading"00" while exercising. I've had the battery replaced and bought a new strap for it, with the same results.

I want a HRM with a fitness test, calories burned, percentage of fat, data transfer, and personalized fitness program, etc. (that's what my current HRM does). I'm trying to decide what model / make to purchase. I'm leaning between a Polar FT60 and a Garmin model. I'm wondering what experiences others have had with either. I would appreciate any feedback from anyone out there who uses these models or could recommend a model. Thanks!

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