The heart rate thing is just something i noticed with other faster riders . While i was busting a gut in zone 5 they where beating me by massive amounts and in Z3-4 .
So i have tried to calm myself down and think about things , where i need to give the effort more etc . It seems to be working in training and racing .
Your pacing must have been pretty bad though if you were getting into Zone 5 heart rate for your TT's. No wonder your noticing your times are improving!
You shouldn't spend any time over a short/medium distance time trial in zone 3 heart rate either, I mean this feels pretty easy up to well over 2 hours riding.
Again, theres no point in you looking at other (faster or slower) peoples heart rate as it won't do anything for you. They have their physiology and you have yours. There's not one way you can use anyone elses heart rate to improve yourself.
Don't know if you watched TdF ITV4 highlights this year. In one of the rest day programmes they were talking about Chris Froome's physiology results. He can make somewhere in the region of 500-550w @ 155 bpm or thereabouts, can't remember exactly. For your reference if your doing a 25min 10 your probably doing around 280w ish average for that ride. My point being, Froome can make this kind of power for that heart rate at the end of a stage having ridden 4 hours + @25mph, you or I, could have trained 20,000 miles a week since being 15 years old and never even come close to this. In all likelihood wee'd be a little bit fitter than now but probably not a huge amount as our physiology is our biggest limiting factor.