I went more by the talk test when pregnant. 130 was unrealistic for me. I also didn't do anything terribly strenuous (speed workouts, heavier than normal lifting, slowed my running pace).
I agree with the PP. I was told the heart rate ceiling is pretty outdated and to use the talk test. I toned down the intensity of my workout a lot and make sure I can hold a conversation now.
It's very dependent on your individual fitness (not a general number for everyone). I wear a HRM and I teach group fitness classes which I am speaking throughout to coach the class. At the top of my current exertion (which is toned down from pre-pregnancy), my max is 170 on the HRM. At this point I can still talk but I do tone back from there. My group fitness manager also said the HRM's themselves have a > 10% error/ variability so it's really not that reliable to the digit. Just use your best judgement and don't over exert yourself.
Re: Heart rate?