You can hold the blades while the engine is running at idle. Although I don't recommend this test if you like having fingers <img src="/forums/images/graemlins/lol.gif" alt="" />...

Try spinning it when the engine is off and see if there is some resistance. You could also rev the engine and listen for the fan "humming". I you have neither the fan clutch is toast.

Cheap fix: Split (open) the clutch. Use some roofing tar, (from your local hardware store) a couple of spoonfuls should be enough. Just enough to fill (level) the engine end of the clutch.
You'll notice when you open it up there is a jelly like substance (real thick oil) that creates the drag needed for the clucth to work properly. All your doing here is giving the clutch a little more density. It's worked for me in 4 different trucks. <img src="/forums/images/graemlins/kewl.gif" alt="" />

As for the electric A/C fan. My guess is the relay, if the relay is good then it's the temp switch. Try giving the temp switch a good cleaning by lightly sanding it down. They usally don't go bad for a long time. Most cases it's the relay that blows first if not the fuse...