You can just use National Weather Service heat index prepared by meteorologists that combines actual temp and humidity into easily understood " feels like" temp. No idea what figures/ data being combined to create a random number between 130-190? And is this put out by a supplement company? That just happens to have things coded to their numbers to sell you?
IME once the meteorological heat index hits 90f you need to start paying attention to both self and horse, be ready to go easy as indicated. 100 or so, it gets into the don’t push zone and 110f+ you are nuts if you are out there working. All you need to do is turn on your tv, radio or check your local weather on your cell.
Far as too hot? That is an individual thing for horses, dogs, humans, whatever. Depends on body mass, hair coat or clothing, physical ailments, age, hydration, ability to sweat, most dark color animals overheat quicker then light ones, and, for humans, personal preference. Acclimatization too, you can adapt to it to a certain extent, same with cold.
I always like the KISS approach and don’t like to overcomplicate things. See you are in AZ, unless you are riding between about 4am and 9am? It’s too hot and monsoon season ruins the dry heat nonsense. Elsewhere, any heat index over 90 might be too hot.
BTW, was raised in the SW so good to 105 or so heat index easy, so were my horses. Once I hit my 50s and ended up in the Midwest, not so much, more like high 90s. Same thing with the horses. We could do it but needed more management.