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Torch said..
I did a medical for work the other day where I had to wear a heart rate monitor,
just out of interest, has anyone worn a monitor out in the surf or pool?
Just googled them and you can get waterproof set ups
Ive got one. I wear it for training weekly and i can say i always get my heart rate up to a peak of 176 ish and an hourly average for a training session of around 155 bpm.
I havent worn mine in the surf, the actual strap will will get affected but i think in my Xcell wettie it might stay good for a bit. But id guess your rate will peak up the same but the average will be a lot lower

I will endeavour to wear it in the water soon and get back to you..