[JustSayGo]

The ignition would have to be on for the clutch to engage. The pulley would spin free on the bearing if the clutch were disengaged. You would feel and hear a bad bearing turning the pulley by hand. Your moderatly hard to turn discription is accuarate of turning the A/C compressor. Brand new compressors can be very difficult to turn by hand. Having too much freon will make the belt dissapear.