I,d try adjusting it first but if you do take the cover off you can easily tell if its fubar,d.If where the clutch plate tangs ride in it looks like jagged teeth that are pretty deep causing the clutch to hang up its time for a new one.Take the clutch plates out and you,ll get an even better look at it.Pretty sure some guys run 10w30 or 10w40.Alot of its personal preference.Like i said I run trans oil but change it a little more frequently.