IME, the limitation on marathons isn't heart rate, it's durability of tendons and joints. OK, for elite youngsters, they might be able to run on the anaerobic edge, but my tendons and shins give up before then.
So a half marathon, without training, is perfectly possible, but you'll be in a lot of pain and only just making it (running all the way). A full marathon? Not possible imo
Cycling doesn't have similar stresses, its much easier on the body. I think the limitation is part mental, part system-energy (how long can you go on riding before exhaustion stops you).
I think a 100miles, without training, is possible. 200miles? Probably not.