Threshold test might help you dial it in, and it doesn't have to be in a lab (though that would be most accurate) -- you could do a workout effort to estimate your max sustainable heart rate for an hour, then calculate zones based on that threshold HR (i.e. my Garmin calculates based on % LTHR, where zone2 ends up being 83-89% of LTHR).
It's also not an exact science - it's a spectrum and shifts day to day depending on lots of conditions!
Threshold test might help you dial it in, and it doesn't have to be in a lab (though that would be most accurate) -- you could do a workout effort to estimate your max sustainable heart rate for an hour, then calculate zones based on that threshold HR (i.e. my Garmin calculates based on % LTHR, where zone2 ends up being 83-89% of LTHR).
It's also not an exact science - it's a spectrum and shifts day to day depending on lots of conditions!