Alright, got this out of my Haynes manual.
1- Make sure car is OFF and disconnect negative terminal, if feeling really sheepish
2- Rock the fan back and forth to see if the bearing is worn
3- With the engine cold, turn the fan, it should move freely
4- Check for any fluid leaking anywhere
5- Now warm up the engine and after warm shut it down and now try turning the fan. There should be some friction. If not, the clutch is bad.
If it is bad, you do need special tools on V6 engines to replace it. Good luck and hope all goes well.