Hi Lucy! Although everything you said there may be exactly right, I still stick by my opinion that beginning runners just don't need to make it all that complicated. This is my opinion, of course, but I feel like unless you are running competitively - that is a whole different story in which case you will have a coach or a trainer - then you usually can't go wrong by listening to your body. I think anyone, if they pay attention, knows if their HR is about to max out. Its not like its going to happen without your noticing it, right? (DISCLAIMER: Of course this doesn't apply to someone who is badly out of shape and/or has a medical condition in which an elevated HR can be dangerous.)
When I mentioned speedwork earlier, I did qualify that by saying it is a whole different scenario, in other words, not something a new runner has to worry about right now. But even a beginning runner can add brief spurts of intensity. During an otherwise steady paced run you can run up a hill or you can "run as fast as you can to the next mailbox" (which is also known as a "fartlek") and those will briefly bump up your HR. That is a good thing, because it builds strength, and strength will build endurance (AND speed). The whole idea about "staying in the aerobic zone" kind of smacks of the old myth about the "fat burning zone" where people let themselves be convinced that lower intensity exercise trumps higher intensity exercise. There are some facts that are taken out of context which are used to make it sound like ramping up the intensity is counterproductive. Not true!
My whole point about running, for the casual recreational runner, is to MAKE IT FUN! I hear so many people say, "I hate running but I do it anyway". Well I don't hate running and I never have because I listen to my body and do what feels right. Even without knowing any of the complicated physiology behind it, I have trained myself from someone who was completely non-athletic and out of shape to someone who can run a half marathon. I have averaged about 1000 miles/year and 6-8 races a year for several years so although my mileage isn't high, it is steady and consistent. (Sadly I can't train my arthritic knees to carry me much farther at this point!) I am a middle aged, slightly overweight grandmother. If I can do this without making it complicated, then I believe anyone can!