If you know the fan belt hasn't been replaced before I'd recommend having the mechanic doing it at the same time you replace the fan, otherwise you'll just be redoing the same job again, might as well save yourself the trouble while you have the chance. As for the clutch, it's tough to describe the feeling, but you'll begin to feel it slipping as you're shifting (much more noticeable under harder acceleration). If you still feel a lot of grip I wouldn't worry too much about the clutch, the 1.6L doesn't have too much power, so unless you're thrashing on the car (or it's very high in the miles) you should be ok. As a reference, I have a VR6 with 129k miles, the engine was rebuilt around ~113k and the clutch inspected then, it looked nearly new so it wasn't replaced.
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