What?
Most warrior type NPCs that I use wear armor if it is available to them and circumstances permit it just like any sane character. Heat metal can be very effective against such opponents on either side. I don't think the spell is overpowered, against PCs or NPCs.
Yeah its nasty if cast on armor, but its supposed to be. It requires concentration (which can be broken) and only targets a single creature. So the party might be attacked by a band of 12 hobgoblins in heavy armor. ONE of them might be in for a very bad day because of that spell. It eats a second level slot and only takes care of one enemy.
As far as PCs go, heavy armor has advantages and disadvantages. It provides better AC without needing a high DEX, but vulnerability to heat metal, problems in deep water, and steamy jungles are some of the down sides. A smart PC will equip themselves for the environment. If enemies are encountered and have access to the heat metal spell, and a PC continues to wear armor that makes him/her a target for the spell then oh well too bad so sad. Cook like a Perdue oven stuffer roaster and think about your choices.