Thanks to all the replies. First, Miangus & his father are correct about leaving it in gear while running. This is my 1st hand clutch tractor. When I bought it, my training was "pull back to put in gear, push forward to engage, and pull back if something goes wrong". That was it, now lesson learned.
What we found was only 2 of the 3 adjusting springs were compressing making it caddywhompus and grabbing the pulley housing.
So right now stuck in disassembly with removal bolts torqued down on the fixed clutch drive disk soaked with PB blaster to get it loose on the spline. When it breaks loose, I can replace all those dogs and bones, etc. I purchased over $400 in all new inner parts. I watch those repair videos and never see anyone with removal issues.
Once again, Thanks