Fusion does have a function that tells you if your internet or apex goes down.And an aquarium controller is a whole tank single point of failure. Do I want one, sure. Can I afford one, no. What I would prefer is whole system monitor and individual controllers for each function that do not depend on the monitor for functionality. Still single points of failure but only one function gets affected.
What good is Fusion if your phone dies or the Apex fails or the temp sensor fails or even your Internet provider has an issue. The argument for or against multiple small heaters doesn't change just based on the controller available.
I take back everything in this post. You did not say to have the Apex control the heater, only to monitor it. I agree but I still lean slightly toward the two smaller heaters.
My biggest fear is that the heater stays on. I came home to fish soup when my heater with controller stayed on. I lost about $2500 worth of cichlids. That hurt because I was the only one west of the Mississippi who had that fish. I was offered big time money for those fish a month prior. Still ticked.