Used my MAF number, correlated with talk test.
Nothing wrong with MAF, but I have noticed it varies greatly from person to person what kind of zoning system fits best.
The MAF number is based on statistical averages. And nope, most people are not average.
You mention you run Z2 around 130-ish bpm. What if that's so low it leaves potential gains on the table?
If you want to be sure, you need to have a "gas exchange test" or "lactate test" done. Cumbersome, expensive and not readily available, but it's the only truly accurate method as far as I know.
For self-testing there's the MAF number and talk-test, which you already know. But, there's at least one more option: the "heart rate drift test". This test will give you the top of your Z2, and it might be quite a bit higher than your 130. The caveat though, is that you should be able to run at a set pace for at least an hour. It's fairly accurate for a self-test though, and free so you can do it on a regular basis. I like it a lot.
There's one more thing that you could play around with: using "Heart rate reserve" (HRres) instead of HRmax. For me personally (n=1), this is in line with my tested zoning ánd with my HR drift test and gives me a higher number to work with compared to MAF or other formulas. I might be that lucky average Joe, but it's something to considder.
You need a measured/tested HRmax and HRmin for this.
If we set Z2 at 60-70%, here's how to use HRres:
HRres = HRmax - HRmin
Use the required HR% on HRres, and add HRmin to get to your working HR.
Easy example: let's say you have a HRmax of 200 (oh what its like to be young again) and a HRmin of 50.
HRres = 200 - 50 = 150
70% x 150 = 105
Working HR is 105 (HRres) + 50 (HRmin) = 155, making this the top of this persons Z2.
Try it out, it might give you a higher number than the 130-ish you had before. That cóuld explain your lack of results.