I wouldn’t over think it too much, there is a great deal of genetic variation in heart rate.
Like you’ve planned, conduct a HR Drift test: 5% drift is top of your AET
Conduct a DIY AnT test.
Get these two numbers and train accordingly.
It doesn’t matter if you’re aerobically deficient or anaerobically efficient, it is what it is, these numbers will guide you.
at the end of each training block, retest, assess results, modify training as needed.