Hi
Ease of the job will depend on whether you have an A or B series. If it's an A series it'll take best part of a day as you have to take the whole dash out to get the heater box out to change the matrix (been there done that). As for the B series, I don't know as I haven't done one.
As to whether it is the matrix block you have to diagnose, I trust the cooling system doesn't loose water and never has, does the engine temp gauge run at the normal hot/warm place, do the hoses and rad get hot. Does the heater blow cold or tepid/warm. If you can answer yes to most of the above then you'll probably find the matrix is blocked. You could try back flushing it using a hose pipe or even running the engine with a rad cleaner fluid (bleach) to break down the crud. Failing that you need to change the matrix.
Stuart
Remember, keep the greasy side down!