I'm going to take a leap on this one and express an opinion. Yes and No and maybe not significant.
1) to the extent you have minerals in your water, they may cause scale somewhere, and the hx is one place where this will happen.
2) in a home system, closed system especially and probably also in an open system, the water is static, that is, you are not continually adding new water to the system in any or at least great quantity. Therefore, any scale that forms is limited to the mineral content of your starting water. Once that mineral has scaled or precipitated out, scale formation is over. Whether this is enough to cause an hx problem I don't know, but it should be limited. Will depend on the hardness of your water. If you use soft water, the issue should be greatly reduced.
3) in a commercial system, especially a large system, I believe water is added at a much higher level than a home system, so new minerals are being introduced all the time. Large systems condition the water to remove minerals before being added to the system. They also do boiler blow downs and other procedures to remove accumulating scale. This should not be necessary in a home system.
4) I would plumb an hx system with isolation valves on the hx, as you also do on the circ. This would allow easy removal and cleaning, if needed. Plate hx's are designed to turbulate the water passing through, causing a scrubbing action, both to maximize heat transfer and also to minimize any mineral buildup.
Shell and tube hx's would not be immune to scale deposits either; nor would a coil hx. If you have ever looked at an old hot water pipe in a domestic system with hard water, after many years there is lots of scale in the pipe. A shell and tube hx and a coil hx would be similar. But keep in mind that scale accumulation is related to continuing introduction of new hard water.
5) muriatic acid I believe is the cleaning agent of choice. My plate hx has now been on one full heating season, and before starting this season, I likely will remove it and clean it with muriatic acid. I don't know if there is a way to actually tell how much scale, build-up, if any, is inside the hx. If anyone knows how to determined this, let me know.
6) I conclude that scale is not likely to be a major issue, if an issue at all, in a home heating system that does not continually add quantities of new hard water to the system. Plumbing isolation valves to allow cleaning of the hx would be good practice, as would an occasional cleaning, at least after the first season, and probably much less frequently after that. Coil hx's also are not immune to scale build-up, if any.