Was halfway through a 3 acre lawn yesterday when the blades suddenly stopped spinning as if I had accidentally bumped the PTO switch. Trying the switch several times did nothing. Shut off engine and noticed a whiff of smoke coming from clutch and a burning electrical smell (not a burning clutch smell.) My question is whether there is something to check/service before just replacing replacing clutch. The mower is only 5 years old and I only cut this one property with it so it seems like a pretty short life or such an expensive part. Thanks for any help.