I had a pinhole leak in the heater matrix, not enough to cause any kind of noticeable loss in coolant - but enough to build up a constant 1-2cm depth of water in the heater matrix housing. So whenever the heater was on, it was humid air, making it very difficult to demist the screen.
After replacement, even during winter, it took maybe 3 mins to defrost the inside of the glass.
Unfortunately, the only way to tell if this is happening is by opening and looking in the matrix housing.