Over the last few weeks, I have got extremely high heart rates during runs, as this caused my VO2Max to drop dramatically I bought a Polar OH1+ optical HR strap a couple of days ago. Sure enough my reported HR dropped by about 30 to 40 BPM and my VO2Max has climbed 2 points in two days.
It is a real shame that I have to circumvent the 245 built in HRM like this. I never had any issues with the optical HR on my 645.
UPDATE 5th Dec 2020.
Although some people don't seem to think it relevant, my plummeting reported VO2Max is what alerted me to this issue as I don't generally obsess over precise HR values and the VO2Max is derived from the HR data. Since 24th Nov when I started using a Polar OH1+ HRM instead of the one built into the 245, my VO2Max has increased from 51 (the lowest I have ever seen) to 57.
In a normal course of events this would never happen.