The heating element in the Rena Smart heaters is on the inside, not the out. So I'm not sure how plant matter would stick to the heating element in the Rena any more or less than the Rena.
Basically the Smart Heater is like the Hydor, it's an inline heater that just happens to be in the tank instead of out.
I'm using smart heaters on two tanks right now and hot water going into the filter doesn't seem to be any kind of problem on either one.
Hydors are fine, the reason I went with Smart Heaters is that I can buy them at my LFS and with this I don't have any concern about the connections on an inline heater coming lose and leaking, granted it is a minor concern but IMO the fewer hose connections you have the better.
If you have a Rena HOB filter the Smart Heater is a no brainer, if you have a Rena Canister you can get it or a Hydor, both are excellent heaters.