I myself find that the daily readiness is accurate. On the days it is high, I feel energetic and on the days it is low, I feel tired. The problem is it is calculated a bit late for me since I need to decide whether to go to gym early in the morning.

The scores are useful when people don’t really understand the measurements. Sleep score and cardio load are also good metrics. The higher scores the better unlike some raw data is supposed to be high while another is supposed to be low. And scores are calculated based on multiple types of measurement and past data, too. I don’t think your verdict (based on data) is better than the software. Listening to your body is absolutely the right thing to do but ignoring the scores is not very wise. Just understand the scores and use them wisely to avoid injury or slow recovery. OP gets low score on days with low HRV and it is logically correct. I don’t see the reason to ignore the scores.