I would move to tirzepatide. Twenty beats is simply too large an increase. On tirzepatide my own rate rose only seven or eight beats and that already bothers me. Reta seems tougher on the body in general and clearly harder on you. You are close to goal weight, so there is little reason to expect tirzepatide would not finish the job and hold the results. Switching looks like all gain and no loss.
A recent thread on Reta and heart rate got me thinking I might be taking some unnecessary risks. I have used Reta for roughly four months and am now at 5 mg per week split into two shots. I have dropped more than 10 kg and sit just above my target of 69 kg. I also stack Tesamorelin and have lost a lot of visceral fat. The appetite control is excellent, yet my resting heart rate sits about 20 beats higher than before. I notice a strong racing feeling in my chest at times. I wore a 24-hour Holter monitor last week and am still waiting on the report. I wonder if others have seen a jump this large and whether the sensible move is to stop Reta, drop to 1 mg, or move over to tirzepatide.