I've had both happen, and trust me, its better when it locks up.
Its when the oil leaks out and it quits working is when its a pain.
I went through 3 in one year due to deep water. When it goes under water, it seems to build up too much pressure in the oil trying to force the fan to blow the water and takes out the seal.
As long as I can drive at highway speeds, its ok, but when I start driving slow, it overheats fast.
So naturally, I managed to get stuck one Sunday with a bad clutch.
I tried to winch out running the engine a few minutes and waiting for it to cool.
That got old fast.
Finally I pulled the coil wire, tied a small rope around a fan blade, wrapped a couple of coils around the fan shaft and bumped the starter to wind up a length of the rope around the shaft.
Then I tied the other end to the fan and put the coil wire back on.
The wraps around the shaft acted like a capstan and kept the fan spinning at low speed so I could winch myself out.