My resting HR is... 55 bpm, apparently. Honestly don't know what that means.
During runs I use HR as a guide for whether my pace is right for the type of run I'm doing. For an easy run I usually want it under 150 bpm, for a harder run I let it go up to 170ish, although I usually can't keep that up for more than a few kilometers. It's easier to look at the number on my wrist than to judge the subtleties of whether I'm going to feel gassed in 20 minutes.
If I break 180 I'm definitely going too fast, and the odd time I approach 190 I feel like I'm about to blackout so I avoid that. Those ones are more obvious and I don't really need to look at my heart rate for them, though.