So I've decided to work out more and get into better shape the last few weeks. Primary goal is some weight loss so right now I'm concentrating on getting in alot of time on the exercise bike, because its what I'll do consistently, I may branch out later. I'm also getting in a little time with dumb bells. I'm wondering how important heart rate is in the whole thing though. I dont know if I'm functionally retarded but I can't accurately take my own pulse. If I just feel like I'm getting a good work out, ride for 30-45 minutes at a really fast pace (the little onboard computer says I average like 38mph with quite a bit of resistence) and work up a good sweat am I getting an effective work out, or am I really missing out by not paying close attention to my heart rate with some little monitor or something?