Fan clutches do not explode, they do not wear out water pumps, they are a minimal drag by design. It is a clutch that engages when needed otherwise freewheels (more or less).
If your motor mounts have failed, allowing the engine fan to hit the shroud, you could most definately have a mess of broken parts and a dented hood. This is not a fan clutch issue.
I only read the first couple of pages. Lots of bad info for sure
Current ride... '13 GTI Wolfsburg
BMW's from my past...
'92 535i/5 '89 325ix/5
'98 750iL '86 325(e)/5
'95 740iL '84 318i/5