I think that is very wise the clutch bearings are probably fine anyway. As you say its an old bike and it isn't really worth the expenditure , it will all work fine even with the kick gears in worse condition than yours are now so you do not need to worry as when you ride the bike the noise is a lot less noticeable. As regards changing the bearings its a doddle there is just 1 x bolt in the centre of the clutch shine a torch there and you will see the allen head deep in the recess this bolt is drilled and has a hole through it for breathing of the gearbox casing so it is weak you must make sure that the allen key that you use fits tightly or it will round off and you will have to drill the head off so care is needed , with luck it may be loose.