Hi Carrie,
I just got a Polar F4 HRM last week. It's the cheapest one they have on offer at $89. The more expensive ones have more functions, but I figured that the heart rate info and calories burned info (plus daily and weekly averages and all that) were enough for me. It works great and I think I love it. The chest strap is not the most comfortable thing I've ever worn, but I tuck it right under my bra strap and it stays in place and does its thing. I wish mine could give calorie/hour info, but I don't know that any of them do that. I love that it transmits my heart rate to the machine I'm on so that I don't need to look at the watch to keep track of that. It's very cool!
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