Scott,
It sounds like you need something. If you can crawl under the truck with a trouble light, I think you can take the gravel guard off the bottom of the bellhousing. You can actually look up into the clutch/flywheel area and should be able to asses disc wear and turn the throw out bearing by hand (if adjusted properly).
It's sort of like open heart surgery. Your diagnosis doesn't sound promising, but adjusting a clutch can sometimes be confusing. The bottom line is, if adjusted properly, you should be able to put the rig in gear with a minimum of
clashing. Crawl and take a peek!
Stuart