Before you assume you need to tear into the clutch, make sure that the clutch is disengaging fully. You might need to get under the car (engine off), and have a friend step on the clutch pedal. Notice how far the clutch slave cylinder push rod moves. If it only moves an inch or less, suspect a faulty clutch master cylinder, or air in the system. If the pushrod moves the full distance, you might have a bad pilot bearing.

The symptoms you describe indicate a problem with not disengaging fully, which is almost never the clutch itself, unless the clutch disk is disintegrating.