The tool from MB is rather cheap ($10 to $15) compared to scratching your cluster or worse.
The job is a lot easier with the tool since the cluster probably has never been removed.
Tried it without the tool, now, I have it and it works great.
The place to pull from is the lower sides of the cluster. The tool are two t-handles with a metal rod -- bent at the end at right angles. The angled portion hooks behind the side of the cluster and allows you to pull the cluster out.