How good is the built-in HRM for intense activities and cycling?

I've been using Garmin devices for tracking running and cycling for a couple of decades. I've always paired with an Ant+ HRM chest strap as, even with my current running device (Fenix 5+) the wrist HRM is totally incapable of accurate results during intense running or any cycling activities (this is a well-known shortcoming). I'm tempted to upgrade to a FR965 and am wondering whether its built-in HRM addresses this shortcoming, or whether I will still need to use a chest strap. Can anyone share experience that would answer this?