HRM Set up

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I just got a new Heart Rate monitor and I am wondering if I should use Dr. Gulati's new formula for calculating women's HR or standard one. According to standard formula I tend to push myself past exhaustion and I tend to throw up after the workout trying to keep up within my fat burn zone. I was told I should program my new HRM with women's specific formula which I did and I felt good afterwards. However, I talked to several trainers and even had a discussion with my physician. They all have different opinions and now I am considering having medically supervised stress test to determine what is best for me. I workout 7 days a week, 3 days strength, 3 days cardio and abs and 7th day, which I consider my rest day, I do Pilates. Call me curious but I'd love to hear your opinion. Thank you everyone.