I would think that as you stated that the probe would be hard to place. My concern mostly stems from the fact that the snake/reptile would have direct contact with the heating element and if it was burned it would be worse. At least glass or a tub and substrate buffer it a bit.
That is just my thoughts on it. I've never used a heat rock or know anyone who has. However just like everyone I have heard the horror stories. To me it's just not worth the risk.