This feature should be added in a future software update, since Garmin has added it to their older and much cheaper running watch Forerunner 235.
I'm in the same situation here with the 245 Music. I'd like to buy a HRM-Tri and use it for gym/workouts where I can't wear the watch, to track my HR and training effect. *NOT* for swimming.
It looks like this works on the 235, but probably not on the 245. I've asked Garmin support.