I seem to recall seeing crash footage of a phantom jet being flown at full thrust along a set of rails into the side of a nuclear reactor concrete containment wall. The plane just disintegrated into dust!

The only things to survive the impact where the edges of the wings that stuck out past the width of the concrete wall. It was amazing to watch. (Keep your eye out on the Bravo channel and such like on Sky as I think it was on there I saw it). Anyway, dont think a Cessna and 7kg of semtex would be much to worry about!!!
As for flying over powerstations, I regularly fly an R22 over Heysham near Morecambe at 2000 feet on my way to the Lake District. But since I haven't got a mode C transponder whose to know what height I'm really at?
Even still, I wouldn't expect to see a pair of Harriers turning up just to check everytime I went that way.
The ATCO's do a good job of reminding pilots of the no-go areas. e.g. this week, there is a new temporary no-go zone centred on the middle of Blackpool prom whilst the Labour party Conference is in town....