That's a very tiny effect. The element still has to get 3 kW (or whatever it's rated at) out into the water. If there's a layer of insulating scale around it, then the element will be running very much hotter, and fail faster (although nowadays, some other part of the kettle normally fails before the element, with kettles having become "consumables"). Also tends to make the kettle noisier ("kettling";-).
IME, mesh filters get blocked with hard water too, and then when your pour, the water comes out all the wrong places, like round the side of the lid. Mesh filters need descaling more often than the element.