I broke my collarbone in February of 2011 and had a plate installed about a month later.
I had a very quick rehab with getting in the water pretty quickly after surgery. No rehab specifically, but swimming got my range of motion back to 100% very quickly. I haven't had a single issue since the surgery until yesterday. I started feeling some pain in the outer area of the plate, but in the pool it went away. Today I feel fine.
I remember speaking to my surgeon, who came very highly recommended and I feel did an excellent job, and he said at some point the plate would likely have to come out. I also heard the same thing from another family friend, who has great experience as an Orthopedic surgeon. He told me that with people that are especially active, the chance of the screws coming loose is much higher.
I will keep my plate in until it causes issues. If it becomes painful, I'll have it taken out. But until that point, I will avoid having surgery at all cost.
I do think that this is a subject that you should be seeking expert opinions on though.