The fan is actually very easy to remove with the clutch once you fab the correct tool. The engine manual describes the tool and it is made of 3/16" rod, very similar to the heavier coat hangers one might find at one's office. There is a 90 degree bend at the end that catches in a hole in the back of the fan clutch to hold it tight while turning the 5 mm allen bolt in front. Once you get the allen bolt to bust loose, you're there!
Check out the manual for the tool, they are sold by the tool companies for $15 - $20, but it's the easiest tool I ever made.