In Filter Factory you have to enter a kind of formula which is derived from the C language. Filter Meister and Filter Formula let you use a subset of C to create 8bf plugins, so they require more knowledge than Filter Factory, but offer a more structured approach.
If you use the Plugin SDK from Adobe, you need to use Microsoft Visual Studio/Visual C++ to create the 8bf plugins. This is of course the most difficult way, but also the most flexible.
So you need to have at least some rudimental C knowledge to create a 8bf plugin yourself. Maybe you should start with the Filter Factory Programming Guide at http://thepluginsite.com/knowhow/ffpg/ffpg.htm
Concerning Filter Meister, you will also find some tutorials, a lot of sample source code and a supportive user group where you can ask questions. See http://www.filtermeister.com/