My F-150 for whatever reason kept backing out a bolt on the water pump pulley and it would hit the fan and spin it. I was reluctant to locktite it, but think that was my eventual solution. When that bolt backed out enough to spin the fan, you knew it. It would get really noisy, sounded like a jet engine and a noticeable drag. I’d suspect that’s how a stuck clutch on the fan would be.
The mechanical fans spin all the time, so it’s not like being able to look at an electric fan and see it spin up and stop. There’s enough drag in the mechanical fans that they spin whether the clutch is engaged or not. But when their clutch isn’t engaged, it’s just windmilling. Don’t try to stop it with anything because you can damage the fan blades or cut your fingers.