Well, Ben Smith is only a year older, so I'm not so sure they will take that into account.
I personally would go with Taylor. There is so little that goes right for the Hurricanes in the forwards, that it really credits just how important the outside backs are that they can still allow the Canes to win. I also think it speaks volumes that Taylor was the only player to score a try in both the Crusaders AND the Chiefs matches, leading the competition in line breaks, running metres and tries (which are three attributes I really wan't from my fullback). I like Ben Smith, and I would agree that on the whole he is a safer option, but I don't think he's as dangerous with the ball as some people make out. I also think the Highlanders' backline is fairly under achieving considering who they have, it always looks a little uncreative and flat (obviously not Ben Smith's fault).