At the underside of you car seems fine and I believe you really do have an issue with worrying over nothing. You need to do something with your life, seriously. On a side note I have had two clutches go, where they bite on the peddle does not seems to have been related. Basically you put it in gear, think its in gear but its not in gear at all its slipped into neutral. Once its really gone it will slip out of gear on you for no reason. So if when leaving a traffic light you have put it into 1st and start going but it just revs like a bitch, then your clutch has slipped. (in my experience)