First --when I first got my k75 in 2000 I burned through two friction disks in three years by riding the clutch lever. I had a Honda before that and was in the habit of 'feathering' the clutch. Finally one of the dealer's mechanics told me either I needed to change my riding style for a dry clutch or get a second job to pay for all the clutch jobs I was going to need. I did the former.
Second -- I have had oiled clutches n the past due to these two issues. In both cases it took quite a while for the symptoms of clutch slippage to appear:
1) improperly installed rear main seal. Minor damage to the seal during install allowed oil to creep into the bell housing eventually oiling clutch disk. Took quite a while for this to become noticeable and I rode it that way for quite another while.
2) improperly installed clutch pushrod seal. This time the culprit was gear oil which crept up the clutch pushrod eventually getting on the clutch disk. This took a couple years to get to the point where slippage was noticeable but when I pulled off the transmission gear oil had permeated the interior of the bell housing.
Re: the job -- believe me, if I can do this, so can you. There are a lot of resources these days, I.e. Chris Harris' YouTube videos, this site, ibmwr.org etc. One of the biggest challenges if finding a way to block up the bike so it is stable to work on. Once you get past that, it's largely a matter of unbolting things and bolting them back on and following instructions.
PM me if you need noob pointers -- I am still a noob and managed to get the job done.
Hope this helps...
Van