I'm 43 and have a max heart rate of 205 (confirmed during workout with chest strap hrm). This gives me a very wide envelope of heart rates with my resting hr about 70. If I get up and walk around, my heart rate will jump up to 100-120 pretty quickly and easily. This is normal for me and not cause for concern at all, although if I were in better shape, my heart rate would stay a bit lower.
Even though I've set a custom maximum hr and the watch seems to know where my heart rate zones actually are, the algorithms that detect activity and stress levels don't seem to take that into account. It almost always shows me as being under high stress if I get up and walk around doing daily chores. It also gives me over 1000+ bonus calories in myfitnesspal for 'high activity' that I can be reasonably certain are bogus since I've been using myfitnesspal with my forerunner 230 and hadn't been getting those 'bonus' calories and lost/gained the projected weight.
For example, Friday, I didn't work out at all. Garmin Connect shows167 moderate intensity minutes and 160 vigorous minutes and said I gained 1413 calories by just walking around.