I had the same problem on mine. I've been told that the extra stress of the fan constantly running is harmfull for your water pump bearings. I got a replacement fan clutch from autozone or napa for $36 bucks. The radiator removes easily, you need a 12mm crescent wrench to get the old clutch off... or is it 10mm?

Heh, radiator came out first since I was replacing the head & timing components neways. <img src="/forums/images/graemlins/cheers.gif" alt="" />

I'm between toyotas right now... 3rd Gen 4-runner soon.