How to approach zone practice if heart rate zones are completely inaccurate
Max HR isn't a particularly useful metric.
Not only is it particularly difficult to measure/estimate, but it can't be used to accurately define training zones, as there are large variations between individuals with regards to % of MHR they can sustain for various durations. It can even change for an individual based on their current state of training.
Basing zones on Lactate Threshold Heart Rate (LTHR) is a much more useful metric for determining appropriate training zones. The most common way to determine LTHR is by performing a 30 minute solo time trial as if it were a race, and taking the average HR for the last 20 minutes of the effort. https://www.trainingpeaks.com/blog/joe-friel-s-quick-guide-to-setting-zones/