One of the more frightening aspects of doing excessive endurance exercise (like a lot of the long-distance cycling I've done for more than 40 years) is that there is now evidence that this can cause scar tissue to form on the myocardium. The effects of scar tissue are not immediately apparent, but over time this can have profound effects on electrical conduction of the heart muscle.
The heart has a natural "pacemaker" in the sinus node, located in the upper right atrium. The sinus node is where the electrical impulse begins and it travels through the ion channels in the heart tissue from the top down, and it is this signal that causes the heart to contract and releax rhythmically, which enables the pumping of blood.
Over time this scar tissue (again, thought to be caused by, among other things, excessive endurance exercise) "remodels" and when this occurs, it can interrupt the electrical impulse as it travels downward toward the ventricles. When the ventricle's signal is interrupted, this can have devastating consequences, including ventricular fibrillation. When v-fib occurs, the ventricle doesn't contract, can't pump blood, and oxygen doesn't get to vital organs, muscle tissue or the brain. If CPR and defibrillation aren't rendered quickly (within a few minutes at most) the result is usually "Sudden Cardiac Death". Prior to death, it's called "Sudden Cardiac Arrest", and it is not the same thing as a heart attack (caused by blocked arteries), but rather is an electrical disturbance usually caused by some prior damage to heart muscle tissue that ultimately interferes with electrical conduction.
I know this from personal experience. This past July 10 I experienced Sudden Cardia Arrest. I have no memory of the event. One minute I was sitting at work, and my next memory is waking up in the hospital two days later. What happened was that my heart went into v-fib and I quickly collapsed and lost conciousness. Had it not been for the heroic acts of several of my co-workers who adminstered CPR for 18 minutes until the paramedics arrived and shocked me back to a normal sinus rhythm, I would be dead. I was taken to the hospital where I arrested three more times. The doctors put in an ICD (internal cardiac defibrillator) which will shock me if this ever happens again. I spent 6 days in the hospital, and then spent the rest of July recovering.
It's been almost two months since I got the ICD, and I've not had any further instances of arryhthmias, thankfully. I'm back to riding my road bike, but I have cut down on the frequency, distance and intensity of my rides. Now instead of going out and hammering 50 or 60 miles, I do about 20-25 and trhy to keep my HR low (which is easy with the beta blockers the docs prescibed). I am just happy to be alive and able to ride.
Do I think that all the long-distance and endurance cycling I did for close to 40 years (averaging close to 10K miles per year) contributed to the event? I don't know, but it certainly could have from all of the research I've done. There are no definitive answers though, and over the years I've also read studies that it's not just the intensity and distance that can cause scarring of heart tissue, but also when and where one rides. For example, there's a German study (can't find the link right now) that concluded sitting in or near traffic, or exercising during rush hour or near a highway (where diesel and auto exhaust is high) can cause heart damage, tissue scarring and increase the odds of developing coronary artery disease dramatically. Everyone I know rides either early in the morning (close to rush hour) or in the summer months in the early evening (also close to rush hour). Are those who do that becoming more healthy, or actually hurting themselves? There is some very interesting evidence that more, or riding harder, is not necessarily better.