I think, if I remember, if you do it from the bottom up, it's possible to change without removing the fan and housing. But if you go top down, the fan has to come out.
That being said, I did buy the fan clutch tools from ebay. They were cheap, some form of cheap chrome plating - and they work. You might want to think about getting a set.
I've had to pull the fan and the housing off 3 or 4 times since I've owned the car. The wrenches came in handy, and makes changing belts a very easy think to do.
Last edited by charlesberry; 11-17-2012 at 10:31 PM.