MotoPC - If you go with Redline fluid, you'll want to use the MT-90, as MTL is not the correct viscosity as specified by smart. You can also purchase the OEM Castrol BOT 328 from your local smart centre, but it is roughly double the price of the aftermarket fluid.
SuperGeek - Have faith in yourself! You can definitely do this, and it won't cost you anywhere near $100. Just follow the online tutorial, and you will be fine.
As for a difference in transmission feel, I didn't notice anything significant after changing mine at roughly 5000 miles. I noticed some very fine metallic "dust" (the fluid sparkled) but no large flecks. Either way, I think changing out the fluid after several thousand miles is a good idea and a very easy DIY project.