Wow, lots of misunderstanding about a piece of 1960s tech on this thread...
1) The clutch fan doesn't "stress" the alternator. It does put a load on the belt, but then the alternator would do exactly the same if it were generating the extra electricity to run an electric fan.
2) Fan clutches do wear out and/or leak fluid. But they're usually good for on the order of 100k miles or more, depending on a lot of conditions. They're not a friction clutch, they're a fluid clutch so there's nothing actually wearing down in them.
3) Viscous clutches never TOTALLY decouple the fan unless the fan is physically blocked, then they go into a self-preservation mode. They do reduce the coupling factor WAY way down so that the fan may just barely be turning at idle on a cold day, but they never 100% de-couple. They never turn to a 100% solid coupling, either, they always slip at least a little bit.
4) There ARE fan clutches that do completely de-couple, but they're electrically operated like an AC compressor clutch. They're commonly found on bigger diesel trucks and offroad equipment, although Horton used to make them for things like Ram pickups with the Cummins diesel (maybe still do). They go from dead quiet to "God's own vacuum cleaner" noise levels when they engage- you can hear big truck fans kick in if you pay attention. Did some googling, and apparently Dodge actually offered a hybrid viscous/electric fan clutch as OEM on the Cummins.
5) Viscous clutches always couple fairly hard on start-up, even when stone cold, hearing the fan roar loudly on a cold start doesn't mean the fan clutch is bad. After running for 10-20 seconds, they'll decouple if the engine is cold.