Absolutely love this HRM, arrived today, really easy to set up and to use. Very impressed by this gadget, I've used it in 2 classes today and it's been useful to see max hr, average hr and to see the different zones, this is a really useful tool in assessing and modifying any fitness activity regardless of your level.
The only negative is that you need to buy the flowlink to download your workout data onto the polar site. A tad naughty after spending so much on a HRM, but you can still access the data and manually input it I believe. I've not tried this yet so don't hold me to this bit!
All in all, this is well worth the money, easy to use, the chest strap is comfy too which is always a bonus. I'm a complete novice when it comes to this sort of thing and technology but I managed to set it up and use it without a bother.