I apologize if I am misunderstanding you, but it was my understanding that for a smart gun to work successfully the electronic parts must interface with the traditional mechanical components (whether the trigger pack, fire control, firing pic, etc.) to effectively control the firearm. It is this interface that would be susceptible to damage from cleaning products if their seal is broken.Any electronics in my RFID example would be molded into the handle and not likely to break from a drop or be affected by solvents/lube.
As for the fingerprint reading guns, that would require much more sophisticated electronics having to be located on the outside of the grip, which is much more likely to break in the event of a drop.