I have very few problems in my good life. The current conundrum is whether I should buy the Polar CS200 HRM, which is for cycling only, or the Polar CS300 HRM, which can be used for both cycling and running.

The CS200 has more cycling-related features, but the CS300 is a wristband so that I can take it running. However, I don't know if I really need an HRM while running. About the only thing I would use it for while running is to look at it and think, "HOLY CRAP. My HR is through the roof!"