Pulled the clutch today.
First view:
Close-up:
At this stage I pulled the clutch lever, and it does what its supposed to - except the outer few plates all stick together.
When I undid the 5 bolts & removed the springs, this all came away as 1 unit, i.e. those outer plates all stuck:
So basically it's these friction plates and steel plates that were stuck together. Everything else was free. They freed up reasonable easily by sliding them off each other, but face-on, they were stuck.
I checked the action of the clutch rods, and they're free moving. The bearing is good too. I took out the whole basket to inspect it, again, looked good, with good bearings.
I went against previous advice, and just threw a new clutch in there. I soaked the new friction plates in oil before putting them in, and at first appearance the clutch does what it's meant to (it's free!). No ride yet as it's sub-zero here, but it bodes well. I still need to do the final clutch adjustment too; I just set it "there or there abouts" for now