OK, I'll go out on a limb here and propose that our basic heart rate is inherited from some parent or ancestor. There's no proof of this, but some historic and empirical evidence. The basic issue is a question of whether this heart rate, be it slower or faster or more irregular than 'average,' is capable of supporting what we would consider ordinary activity.
If, in spite of our odd sensations, such as irregular beats, can we do our ordinary activities, from walking from one point to another, up stair cases, even jogging to catch an errant child, and can we do it without signs of heart disease. That is, do we become disabled by shortness of breath? Do we faint? Do we throw up? Are we drenched by a sudden *cold* sweat that drenches our clothing in an instant? Do we feel as though an elephant is sitting right on our chests?
If not, then our hearts are probably functioning OK, no matter how weird our descriptions of our sensations may be.