Actually a clutch in a Sammy isn't half bad. Is it something I'd do everyday - HELL NO!
The transfer case is divorced so that makes it kinda easy. Not sure if the tracker is or isn't though. All four bolts holding the transmission in place are easy to get to. The only problem I had was removing the crossmember right underneath the tranny. The bolts were so tight but the impact gun made short work of them.
If you've never done one before, I'd have someone come over who has done one before as they can be kinda tricky to line up correctly.
I agree that if it is the cltuch, you should go with the Petroworks or Centerforce clutch. That way you never have to worry about it again.
I would check the adjustment on the cluch cable though. it might be that easy.