I'm sure this question has been posted a million times, but I'm going to ask anyway to keep from having to search for it, if ya'll don't mind!

I think the fan clutch is going out on my 95 E320 Wagon, as I'm seeing small aluminum metal flakes / chips being blown up on the engine and can't see anywhere else they may be coming from.

I suspect the fan clutch as it tends to run hot at idle and in slow stop and go traffic, and then cools down again once I start moving and air begins moving through the radiator.

I've unbolted the four bolts and pulled the fan blade assembly off and understand a special tool is needed to pull the clutch.

Is there a way around a special tool or is one available that could be rented that makes the job more simple?

Also I'm assuming the radiator and electric fans need to be removed to do this...is that correct?