Another update, I pulled the floor boards off and checked the pin, nothing wrong, i was hoping this would be it :mur: I pulled the plate{clutch housing} to see what is happening, everything seems to moving the way it should. While I had the plate off I did notice muddy water traped inside

. There is a small weep hole in the bottom that had gotten pluged. I fished out the weep hole and drain the nasty water, not a huge amount but am thinking this may be my problem.
It's doubtful that water could have caused swelling of the friction discs. I would try Chris' suggestion in case there is oil or grease on the discs. Wouldn't hurt anything.
I Put everything back together made adjustments and tried it, depressing the clutch while it was up against a tree did disengage for a short time{20-30seconds}. I did this a few times each time same result, it would disengage for a short time then would start too bog down{so I'd kill the engine}. Could the water have been enough to mess up the clutch plates?
Try adjusting more free play out of the pedal, say take it down to 1/2" - 3/8" and check performance. If that helps then there is issues with the presure plate, possibly bent or broken fingers or even clutch release bearing problems.
I'm quessing there is no easy fix,
Nope.
is pulling the engine the easiest way to get at the clutch?
Nope, it is the ONLY practical way. Sorry.