Did you make the call to take a mid-difficulty song because you saw the heart rate number on your watch and got concerned, or did you feel physically unable to continue at the prior intensity?
If I were you, I would try to figure out what your actual max heart rate is, then tune the watch settings based on that. There are various test protocols you can do to figure that out, and it's possible to do it in lab conditions if you want to be really safe about it.