Most, if not all of this was mentioned up above, but to summarize:
90% of the time, a clutch that's hard to work can be vastly improved by removing the cable, greasing the hell out of it (Molybdnum Grease is my favorite) and replacing it (it's really pretty easy to do this).
Then, make sure that the Bowden tube is adjusted correctly and that the bracket holding the rear (engine side) of the bowden tube is angled correctly to mimic the line of the cable exiting it to the clutch actuator arm.
If that doesn't improve it then it's probably the clutch actuator arm inside of the bell housing, and THAT requires pulling the engine to get at it.
It should be really hard to move the clutch lever on the side of the tranny by hand without some sort of lever assistance. I have a special tool I made (similar to a tool the VW mechanics had years ago) that is an 18" piece of 1/2" ID pipe with a "tooth" on one end. It's positioned in front of the clutch lever pivot point, and catches the arm just below the clutch cable. You then move the bottom of the pipe/lever to the rear and the clutch is disengaged to make adjustments, grease the wingnut, etc. That 18" lever makes moving it pretty easy, whereas just using pliers or an adjustable wrench was usually pretty hard to do.